Keep an eye on the trends in FL at this moment as well, especially in hurricane season, with home insurance.

As far as closing costs go, see below:-Title fees-Title insurance-Hazard Insurance-Lender's closing fee, underwriting fee, or any other flat fee they charge-Origination fee-Attorney fee (if the property is in an attorney state)-Doc fee for closing docs-Prepaid interest through the end of the month you are closing-Recording and transfer fees on titleThat will cover most of your normal closing fees. 

ARK also charges a flat franchise tax on ARK LLC's and out of state LLC's every year, of $150.    

I have an opportunity to raise capital with a private individual at a flat interest-only rate as a way to reduce interest charges and eliminate origination and service fees.

They went belly up and now are getting personally sued. someone sent this to me the other day that I posted in another group as well: Document List (state.ny.us) - I will also add I am in note investing and a famous guru who now has around $2M +/- in judgments against them used to have large conferences and would charge for it.

And this flat fee is certainly not killer.

Only a written flat bid.

I'm familiar with the Chicagoland and Milwaukee areas so that's where I'd like to start.Vegas would be nice for its proximity to my current location.Los Angeles/Southern California as a long, long-term ownership goal would be great because I just flat-out don't want to live anywhere else. 

Will just flat out raise my hand and say I'm new... but have been studying for years on SS (have done residential flips/rentals), now or never to actually s or get off the pot haha.

Quote from @Galvin Mendoza: Good morning biggerpockets,I am a new real estate investor who recently purchased my first 3 flat in Niles!