(Loan less points+fees)California, not to be outdone, passed Financial Code 4970, where if your apr is more than 8% above comparable treasuries on either 1sts or junior liens, and the points and fees exceed 6% of the net loan amount, as defined above, you're covered, and subject to the more stringent requirements and limitations.Anybody still awake?

If anyone is awake I have some documents that were sent over to me today from title on an investment property I am researching.

So far they've been decent and I've not had late calls but it's something that keeps me awake

I'm awake and ready.

Is that why you're still awake at this time?

If you're lying awake dreaming about the property or think you can talk the owner down, here are some things I would check out based on what I have learned with our property in Richmond:1) Check for clay pipes in the house or in the sewer line.

Hey Troy,I was awake when it happened.  

@Scott Pigman  This is a wake up call!

Taking time everyday, at multiple times, to develop myself thru meditation, and visualization especially, have brought my mindset to a whole new level.Waking up earlier, planning mor efficiently, and winning the day that life has given me is making the art of business easier and easier.I've been awake at 5 each morning and dedicated my mind to God and to find success in everything I do and think.What do you think?

It's too late for you on this one Ray, but let this serve as a wake up call to all would be investors.Here's a Quiccccccccccccccck Tiiiiiiiiiiiip for everyone.