We install the cheap stuff on the back wall on a roll at HD with a mid-grade pad (A properties).  

@Matt Mcnulty @Wei Jie Yang this product is somewhat similar to the Fannie Mae HomeStyle loan. 

Husband/wife teams are the exception, since often one of the two spouses is already the yin/yang to the other, so assuming they do not get the roles backwards (both need to have attention to detail, the analytical person does the mortgages, the high emotional intelligence person is the realtor), that can totally work. 

Also, it’s Andrew Yang (sp)...

Never buy from an insurance person/salesman, annuities are the worst product out their FEES out the yang yang they keep changing the name of annuities still the same old cow.

Frank Yang thank you.

I always pad a little incase of evictions.

Hey @Sean Yang welcome to BiggerPockets and check out the Ultimate Beginner's Guide: http://biggerpockets.com/ubg

Hi @Sammie Yang! 

I would agree with @Cha Yang about the http://www.mnrealtyschool.com/Mike and Tim are great guys and make the classes fun!