I just sat down with my PM that has hundreds of units and she showed me two literally identical properties in Windsor Hills.

If you attempt to duplicate, step by step, what another player did, you'll lose because no game is identical to another game.You need to understand why real estate is unique, why it is valuable, how it is valued, why no two parcels are the same, what effects value that can be changed to profit from, why different regions have different market conditions, what the requirements must be to establish market value, how title effects value and how does title transfer, how government plays on real property requirements that effect value, and the list goes on.Yes, you'll learn terms, legal terms, like encroachment, easement, plat and survey, property descriptions, market value and what must be present to establish a market value, what a single family dwelling is (many here don't even know what that is, yet they try to deal in them), you'll learn what property rights are and how certain rights are conveyed, what may cloud title or encumber title, what a lien is and types of liens as well as their priority, what responsibilities there are with ownership.....and the list goes on.You really need to know what is and isn't legal or ethical in dealing in real property as opposed to personal property.

If you get an identical loan from both, but the bank wants 6% interest and the private lender wants 8%, the bank is better.

They have your name, address, routing number, and checking account number.On a side note, I purchase the identity theft protection from Zander insurance that covers my whole family for $140 per year.

I might not have to have it, but DOB is usually used by credit companies help establish identity.

I live in the land of South Florida where the worlds most shady contractors congregate.In the past 5 years, I've lost in excess of $50,000 to thieving builders and handymen.

Very uniform identical units. 

Or do you use an identical discount factor for all years on the same property?

He explained that he did take over a legitimate persons identity and LLC He suspected the calls originated from overseas but were made to look like a Nevada phone numberThis game happens all over . 

The identity of the buyer is not the issue.  6% fee is not unreasonable.