:D I think any "anti" agent sentiment you might be getting is because a lot of what us newbies hear is advice of how to do things yourself (such as find deals) which implies to us that we should avoid realtors and find the deals ourselves.

Do you run any anti spyware utilities (adaware, spybot and even some of the online virus scanners have built in spyware detection now I believe).

To a certain extent, closings for this program are anti-climactic because our Firm Commitments are, quite literally, firm, final commitments with no conditions.

He says its all about contracts, and how they are written to circumvent the anti-L/O legislation.

Penalties include the UPB being forgiven along with 6 figure fines, under TILA alone, you can look them up, they are on the internet I'm sure.There is no law against reporting what one believes to be a violation, I made no determination in this matter.I'm not anti-lender, I am anti-scammer or illegal operator as it makes things unfair for all the lenders who operate legally.

We put anti-freeze (safe type) in water tanks, traps and toilet bowls to reduce the problem even further.

If you have the proper shut off valves and they are properly installed, there will be a bleed device for that purpose.You then have to put RV anti-freeze into the traps.Your safest bet is to have a plumber in to check things out.

All anti-discrimination laws are out when someone is sharing your residence, right?

I know most people on this site are very anti-guru, yet never in my training did they misrepresent how long it would take (years) or that it was easy.

I am the anti-handyman.* I do not know anything about how to evaluate real estate values (but I think I can learn), or the costs of renovation.All that said, I believe that I could be successful in scouring near and far for properties with equity that could be purchased or optioned at attractive prices IF I can partner up with investors with cash and with individuals who know how to renovate cost effectively.