Take a shower at work to save on utilities, water, and electricity – as a side benefit you go to the gym more often (do your 3S’s there, ****, shower, shave)If you work in a startup company that caters food, it’s a no brainer— eat at work and bring food home.

Also shopped around for snow/lawn and shaved another $40 per month.

A recession doesn't guarantee real estate price drops...see the chart I posted, it contains actual facts...This guy is going to get creamed flipping houses if we are near the peak, it's risky AF.

As for the 12/3 for a deal that small, it makes sense though you may be able to shave one point.

A large amount of investors are getting private (non-bank funding) where they need to provide these estimates and once they are working the property, may need breakdowns periodically of work done, materials, and labor to submit to their lender(s). Have

We tend to attract the cream of the crop and we take good care of both the tenants and the buildings.  

The borrower(s) may have initially purchased the property as one of the following:a natural person;an eligible inter vivos revocable trust, when the borrower is both the individual establishing the trust and the beneficiary of the trust;an eligible land trust when the borrower is the beneficiary of the land trust; oran LLC or partnership in which the borrower(s) have an individual or joint ownership of 100%.The original purchase transaction is documented by a settlement statement, which confirms that no mortgage financing was used to obtain the subject property.

Cash rules everything around me and it's all about the cream! 

Maybe in KY you can cut corners and shave off some time, but we don't do business like that around here.

The borrower(s) may have initially purchased the property as one of the following: a natural person; an eligible inter vivos revocable trust, when the borrower is both the individual establishing the trust and the beneficiary of the trust; an eligible land trust when the borrower is the beneficiary of the land trust; or an LLC or partnership in which the borrower(s) have an individual or joint ownership of 100% The original purchase transaction is documented by a HUD-1 Settlement Statement, which confirms that no mortgage financing was used to obtain the subject property.