I went to college, not that it is mandatory, and Î got a business degree that emphasized real estate.  

We emphasize care of the place, reporting any kind of leaks or water entry, and indicate arbitration in leui of litigation in case of disagreement. 

It's good that it's in the sidebar because people will see it on every page, but placing it there de-emphasizes it.

It would be good for you to talk to them or other banks to understand whether is more important to have reserves (the $30K) or the lower debt to income ratio in your specific situation.Steve makes a great point that I can't emphasize enough. 

I did go to college, not that it is necessary, I got a business degree that emphasized real estate.  

Good lighting, cameras, signs emphasizing the presence of cameras, gated entry.....all good ideas.

I'll emphasize what @Tom Goans says here, at least for CO.

All of the fees alone add to about $1000-$1200/year for me.It's important to emphasize that when you are joining a brokerage, you are interviewing them, and not the other way around.

I did graduate from college with honors and it emphasized real estate. 

And it emphasizes the need to focus on a niche.