It's really easy to put your nose to the grindstone and just try to get it done.

Commercial lenders can be found in the UCC.So, these arguments about who a private lender is can be clearly found by the process of elimination and by specific exclusions in laws and regulations.No skin off my nose if folks would rather argue about it, if a situation ever pops up where it matters, you can learn later on, probably the hard way for some.I recall an examination of a bank in Arkansas, the President got into banking by the virtue of having the money to do so, there is no intelligence test required to own a bank.

@Scott C. don't cut off your nose to spite your face.

This is just an example of how to purchase real estate using none of your own money There are other aspects as to the interest acquired in a Sub-2, you are in title as a buyer and you can encumber your interest and cloud good title,No… see how to safeguard the buyer and seller belowthis requires a filing in the RE records… No see belowand is another violation under the first with the transfer of interests by a third party, you, as the buyer.

I'd have sessions with the girls and taught them how to breathe through their nose while keeping a slight vacuum pressure in their mouth exchanging carbon dioxide, sometimes called making out or necking.

we were lucky in some respects, but ultimately, hard work, nose to the grindstone & living simply well within our means does it for us.  

long time no see.

@Brie Schmidt  I think hit it on the nose. 

Yes, in the midwest and cities where there is ample room to keep expanding, the 2% rule could be alive and well, but when you live in a densely-populated area where there are thousands and thousands of people who want to move in and little room / regulation for new construction, you'll see 2% go out the window.Even during the recession, while the rest of the country nose-dived, most of these areas remained fairly strong. 

I vote for tearing out the bull nose and bring it up with more tile.