We paid off our primary, then put a fat heloc on it as an opportunity fund.

An example of this is when a corporation, say a small cell phone company, incorporates penalties in their contracts that require additional fees for collections of a late payment.

Seems like lack of communication is the theme here (that would drive me crazy as I tend to over communicate with my TK folks in Memphis:))In today’s age of cell, email, video there’s no reason not to have all the info you request and require...

I'm making flyers and signs and I don't want to use my personal cell phone number.

Inspected the property, 25k in deferred maintenance at the least, windows, foundation, laundry room needing cleaned up/updated, exterior of building needs painted, apartments updated as people move out.Lower C class for sure, but can be built back up, I’m good at those things.Made offer based on current rent, differed maintenances, cost of money, insurance all expenses are up, lower end of the economic scale renters, cost of living way up, so a downward pressure on their money, not much room for rent increases.If building had differed maintenance repairs done as described above, I believe to building is worth 225k, wont work at the 8% I was quoted by the bank a couple a months ago.Offered 200k explaining the deferred issues to owner, a big fat NO, was the reply.LIKE OTHER SELLERS IN TODAYS MARKET MOST ARE STILL STUCK ON NUMBERS FROM A FEW YRS AGO.Read books by Steve Berges and Brandon Turner, RE; creative financing strategies.

The Consumer Reports Jan 2014 issue features cell phones and plans.

The cheapest option I can think of would be a hotspot on your cell phone plan.

The setup will look like this:        A               B1      P0         ($100,000)2      P1         $7,0003      P2         $7,0004      P3         $7,000 .....to end of yearsThen you simply put in the IRR equation in to a cell:  =IRR(B1:B4) or wherever the cash flow ends.  

I was looking in the Fat City area and was wondering if this would be an ok area for an investment property.

You will find their personal name, company name, and cell phone number.