Also you lose some points for going over the 30% credit usage threshold.

Do you also fault developers for going into utra-build mode, Mr.

I believe he will provide lists (Please correct me if I've spoken incorrectly Michael), also fellow BP member Jerry Puckett can provide lists for you.One advantage for going through someone like that is that they often have strategies behind the criteria they're using that you may not have thought of.

Looks like you are very well prepared for going into the New Year.

As Duke Ellington observed in one of his songs; "Romance without finance, ain't got a chance."

When they are first starting out with only a handful of doors under management, some property management companies might decide to forgo E&O insurance.

Your job is to lighten their load "Take a load off Annie," as the song says. 

We will simply pull a house from our inventory and forgo any profit on the deal so that A Hero's Home can give away a high-quality property to a deserving individual or family.Our commitment was to deliver the home at cost including buying, renovating (including all permits required as we always do), inspecting, addressing any inspection issues and obtaining an appraisal showing value for the new owner.   

Before I found SN, I looked into commercial loans, they are spendy...Now, one advantage for going with a local bank is if you are planning on buying a lot of properties and want to build a relationship with one bank. 

@Marvin Song so far Englewood is working great for me.The neighborhood I invested in is Tenafly Rd / W Hudson Avehttp://www.neighborhoodscout.com/nj/englewood/tena...The biggest problem is that there aren't a lot of duplexes coming out to the market.