Do you need license like you need to become a conventional loan broker aka originator (I happen to be one, licensed in NY and NJ).

1.7 % of Loan Amount (Points) - $6,035underwriting fees - $1,400Are the above fees reasonable or not for refinancing a mortgage?

I originally looked into QuickBooks but it seemed very expensive for everything I would need it for.

yes whatever I buy I will be living there as well, guess I should have noted that in my original post.

The second lot had the remnants of a tennis court the original owner had built, but was now in disrepair.  

Having dual licenses, loan origination and real estate, has got me involved in most parts of the investment transaction.  

New Jersey is one of the least landlord friendly states in the country - FACT.Liberal policies are not friendly towards landlords- FACTNew Jersey is a liberal blue state - FACTI was nice in my original post.

I am originally from there and manage on in Ventnor and have had some issues getting a straight answer on what I should even be charging for tourist tax. 

Some of the original framing remained but that was it.

You paid 1% origination, closing, legal etc, and 4.5% interest.