@Abiy Tedla I have mostly gone with white cabinets with black hardware on the same as is the market trend currentlyPersonally, I'm a fan of staining cabinets more so than painting since it lasts a lot longer and is more durable (plus I think it looks nicer than painted cabinets too) Additionally, using stainless steel appliances and under-mount sinks definitely adds to the oomph factor of the property even though they aren't much more expensive than their counterparts

Non-admitted insurers are often a lot cheaper than their counterparts and are a way for your borrower to save money at the risk of nonpayment to you.Last, because we always seem to get the evidence of insurance at the last minute, insurance seems to be the number one cause of loan delays.

I really want to know what the crash will look like for them and their counterparts. 

Thus those with higher debt loads aka graduate students are much less likely to default and/or miss payments than their undergraduate only counterparts.

I'm sure like most of us on here we want financial freedom that our 40 hour a week counterparts wish to have as well.

The most common features to this loan type are a 20 year loan, adjustable rate every 5 years, and at about 1 point higher than their Fannie/Freddie counter part. 

The most common features to this loan type are a 20 year loan, adjustable rate every 5 years, and at about 1 point higher than their Fannie/Freddie counter part.

Techniques/Items to consider Mirroring - simply repeating the last few important words your counterpart saidMirroring is great when you are at a loss for words.

People in Friendswood commute longer to work compared to their Pearland counter parts.4.

I get that less than  a mile might not be much... but compare Rio (off strip) to it's on strip counterparts.