Especially because my stocks are even riskier (but my stocks are ok. high risk, short time, it already worked, its been great, long story, doesn't matter.)I havent had an official conversation with her on the topic, so Im not sure about rates but the highest rate she ever said was 11% she didnt mention points.

The government officials campaign on promises that they will resolve this problem but nothing gets done.

Get it on the market, and then once it's sold.. file an official complaint with the state regulator, and if he doesn't give you something to reflect the poor work, take him to court.    

I had looked for three months, not official number, but probably about 100 properties before I found a great deal.  

After passing your test and when you officially become a licensed agent is when the fun starts.  

Official mortgage, recorded, notarized, and everything.

Give your official notice you are leaving in writing to the landlord if your landlord tenant act says it must be by mail pay attention to that too and do it in adequate time as specified in the lease if you don't do the notice per the local requirements you can wind up with a loophole that puts you on the hook for a bit longer so that is something you can do right away. 

Maybe I'm misunderstanding you or you're misunderstanding me, or perhaps since you work in the region you're used to thinking of boundaries different from the official ones.

I didn't know that structure had an official name.  

I'm looking to start investing in either my local area or perhaps out-of-state in the Boise, Idaho area (potential relocation destination for my family).As far as experience, I have just a bit - Without knowing exactly what I was doing, or the official term for it, I happened into a House Hacking situation.