My opinion the differences in money one with your amount of cash on hand would make in choosing one market over the other is splitting hairs.

My intent for this posting was to affirm that the charges I'm seeing is the norm, not to make false accusations.

I'm just curious if there's any advice that might slow down the gray hairs I've started to get from this messed up situation.   

I write down the persons name along with some notes that I don't let them see like "the guy with the crazy hair and leopard skin pants", whatever will jar my not so great memory.

I'd probably go 550, or a hair lower, for credit score.  

@Nate Sanow I read that article and I don't have a gun in this argument but I'm pretty sure the big orange haired man filed for bankruptcy and leveraged business "losses" as to not pay any federal income taxes for the last 15 years. 

However, I am a grey hair old fart with a fair amount of real estate experience.  

Just think how many gallons of water go through your hair in the shower to get all the soap out, same thing. 

Some licensing is probably somewhat inconsequential; if an unlicensed barber cuts your hair, you probably just end up with a bad haircut.

There are multiple threads here in BP if you search for Eddie Speed  (I have not taken his course and I do not have any affiliate or business relationship with Eddie...)Just curious....if you have never taken his course and have no affiliation how can you affirm he knows what he is talking about?