Heres a general breakdown:1960s: ~5 -“7%1970s: ~7 - 11% (rising due to inflation)1980s: ~10 - 18% (peaking at 18-19% in 1981-1982 due to high inflation)1990s: ~7 - 10% (gradual decline)2000s: ~5 - 7% (lower due to economic stability)2010s: ~3 - 5% (record lows after the 2008 financial crisis)2020s: ~2.7 - 7.8% (historically low in 2021, then rising in 2022-2023 due to Fed rate hikes)Long-Term AverageOver the past 50 - 60 years, the average mortgage rate has been around 7 - 8%In short and IMO, due to fiat system.

Prior to issuance of the building permit, the property owner shall sign and record a deed restriction that states that the property shall be owner-occupied from the date of recordation as long as the JADU remains on the property.

Test their communication by reaching out as a potential guest to see how they handle inquiries.Ask for References – Speak to their existing clients to get a true sense of their service quality.Finding the right property manager long-distance is all about ensuring they have boots on the ground and a track record of high performance.

Since you can’t do a formal inspection, a detailed contractor walk-through and phased renovation estimate are key.Have you considered checking city records for past permits to uncover any unaddressed issues?

I still don't have a receipt or record for the transfer outside of my bank record. 

I represented a client and there was a room without a closet but the appraiser considered it a bedroom since there was a free standing closet and the tax records showed it as a bedroom.  

this is what we build and we do it with newbies but make sure you partner with a builder who has experience and a track record.

So the first seller agrees to direct title to holds the funds and when you close on that purchase you record a new note for the first seller on the second home.

I was on a senate committee way back in the 80s to deal with these antiquated subdivisions and lots of record which of course many of these areas are.

Here’s how to find a broker you can trust:Ask for Referrals: Reach out to fellow investors or real estate agents for recommendations.Check Credentials: Look for brokers who are licensed and members of professional organizations, such as the National Association of Mortgage Brokers (NAMB).Review Their Track Record: Ask about their experience with real estate investment loans and request client testimonials.Interview Multiple Brokers: Prepare questions about their lender network, fees, and typical loan turnaround times.Evaluate Their Communication: Choose someone who listens to your needs and provides clear, honest advice.4.