Xplicit Home Loans emailed me a few days ago with a generic email from Rodger Gregory and I replied out of curiosity saying that I was cautious it was some sort of scam. 

If you were my agent then I would sit down with you personally and walk through it... generic advise on the internet is not something you will want to take.. every state is different every contract is different.. and CA for sure has a large number of disclosures etc that must be filled out and signed in each transaction..

Hello brilliant BP crew.I'm just starting to invest from New Zealand and enjoying the podcasts that brought me here and reading all your informative posts :)I believe from some research before I start sourcing any properties I'll need these:ITIN (https://www.irs.gov/individuals/international-taxp...)LLC (https://www.irs.gov/businesses/small-businesses-se...)EIN (https://www.irs.gov/businesses/small-businesses-se...)I'm wondering if there is a best practice in which order I should attain them.Are they generic enough that I'm best just to do it myself via the above .gov sites?

True you _can_ do it all yourself but no one tells you that:- A generic operating agreement may be completely insufficient to protect you or do what you want your LLC to be for you. 

That substantially increases the cost of the projectOn the price, being really generic: if the house is "close to turn key" - about $3-$10 per sq foot, "needs cosmetics" - $20-$30 and "substantial rehab" to "why didn't we demolish that one" is between $30 - $80

I didn't use the leaf guard brand but I bought something generic from HD. http://www.homedepot.com/p/Amerimax-Home-Products-...While I don't have to clean out the gutters twice a year, I do have to make sure that I periodically clean the openings. 

If you look back to my first post on this forum, I made one very generic comment that it seemed to me that there were some responses to the orignial poster's query that were a little condescending and perhaps not as helpful as they could be.

I am guessing that the generic one is impartial or possibly too strong on the tenant's side.

Folks who have multiple Non Owner Occupied loans do so under the same guidelines that have been generically outlined here.

Is it legal to take a word processor and add clauses and additional sections to the generic Realtor contracts?