(I can help fast, most of the time in as soon as 10 days)e.Ask them if they are thinking of selling or buying a house.f.Always ask them if they know anyone who has a house for sale or is wanting to buy a house.g.Close with handing them a business card and repeating your name with telephone number.i.If they hand you a business card make certain that you put it in your database to prospect to.2.The people you pay or good friends who have service type companies ask them if they would include in their invoice statements a flyer about your services and be ready to do the same for them.3.During holidays and special occasions send to your friends and customer base a thank you card, Birthday card, holiday card, within those cards mention that you accept referrals and include a few business cards. 4.Take up a new interest.

I have reached out to him on occasion and he has helped me with my questions, at no cost! 

That being said, Tom has, on two separate occasions, taken his personal time to help me and I never felt that I was being sold.

I personally talked to Michael on 2 different occasions as part of their weekly round-table.If you want someone to be more like a mentor and help you structure the deals, close the deals and be like your right-hand man, then this won't work for you.  

We also paid Roto-Rooter over $600 (split between 2 occasions) and have paid half upfront to a roofer but they haven’t started the job yet and won’t before the year ends.

Premier Bank has come through for me on a couple occasions.

Christina LaBorde I have used Incfile on 2 occasions and haven't had any trouble so far

Tenant shall also be responsible for any plumbing system freeze-ups occasioned by Tenant’s negligence.

There are occasions where, in the future (but less than 12 months) if something changes your circumstances (such as getting a new job that you can't commute to) then you can probably get away with moving, because your "intent" at the time of the refinance was authentic. 

For instance, in your example (btw, we have had multiple occasions where this happens in the past few years) if you paid $200,000 for the house, put $40,000 into reno, and then closing costs, commissions, etc. were $15,000 you would simply add all this up and that is your basis in the property.