Also no exotic pets, no loud birds, and I place a restriction on aquarium size.

I'm sure it's more complicated than it looks, but as far as I can tell she mostly makes decisions and just drops by every now and then to let us know when she's out of pocket on exotic vacations, haha. 

The only possible exception is if one of my competitors are lying about the terms/conditions of the HELOC and hoping no one reads the paperwork.What do you folks out in the midwest have going on that makes local institutional willingness to do exotic HELOCs so much higher?

By inventing and installing safe hygenic waste water ,drainage systems,sewage treatment systems ,instant hot water and potable filtered water systems thru out the nation.Hey ,all you folks who are fortunate enough to travel the world and take vacations to exotic places like Thailand ,Russia and Brazil,,,,,aint it great to finally get home and open up the kitchen sink tap and have a nice clear glass of water without having to worry about a case of the runs for the next 3 or 4 days?

I dropped out of college 7 years ago to work 5-7 days a week at a dead end tip-based job (Casino Dealer, not Exotic Dancer).

If it's a 3-unit... why are you looking at exotic/commercial financing? 

For the reclaimed question, most decks are pressure treated and not really a desirable wood to reuse, unless it's some exotic hardwood chances are it is worthless. 

I've had luxury cars, I lived in big houses, I stayed at the best 4/5-star hotels and went to fantastic restaurants, I wore nice clothings and traveled to some of the most exotic and expensive destinations in the World.

This is highly unlikely in the current SD market unless you are doing the more exotic approach of rent by the bedroom and live in the living room.

The real grant is walking around an exotic beach somewhere without a shirt on telling us In a video message to only buy a 10 million dollar apartment for our first investment and never buy a home  .