I would want to get MORE from the seller than that in a concession so that I have an opportunity to end up ahead for the extra work, hassle and risk. 5.

I know there are a few of us Mansfield Ohio folks out here in BiggerPockets world!

Younger folks want their money back, in my experience. 

.- You've begun creating your own buyer's list to shop the deal around.Most folks will just want to know about the deal for themselves to see if they'd buy it but if you speak with enough people, you may find someone interested in mentoring/partnering.All the best!

.$1,000 per violation and per day if you manage properties without a broker.I know if folks managing thousands illegally in Toledo.If only I was a whistle blower hehe10% fee from the total fine isn't a bad pay day, right...?

An overlay is an extra rule that banks put ON TOP of Fannie/Freddie loans to make themselves more conservative on their lending. 

A few folks have talked about leveraging a HELOC in the future, but if you don't have other assets to back up that play and things go south it could force you to sell your primary home - that gets real dark real quick.

There are a lot of real estate meetups/groups that you can find happening in NYC and surrounding areas with a quick google search - I actually host a small one every month as well you're welcome to attend to network with folks. 

If you poke around you will see many of the same folks hitting the same posts in waves. 

So let's say there is no value increase, but you pocket an extra $1,100/mo in income.