that's where you want to go hunting.I'm not a lawyer, but a financially sophisticated woman will understand that an engagement ring worth less than $14,000 probably avoids any question over whether the ring is subject to the gift tax.

I have seen those type of minor changes before in my friend's contracts and they were not being challenged.

This one went pretty smooth but the timeline on the renovation ballooned past expectation due to some contractor issues and that presented some challenges.  

Have great credit and have the money to put 20% down but what's the challenge in that.  

However for the latter with the declining population especially of this zip code even with the new Nike distribution center nearby may be a real challenge.

If that sounds like a challenge you want to take on, then there can be plenty of financial rewards. 

The process in Illinois is challenging!

Our goal is to be financially free within 3 - 5 years, allowing us to work on this endeavor full time.I want to thank everyone who has contributed to the site as it has been an amazing help and I look forward to staying engaged on the forums to pay that back as best I can starting with this way too past due introduction.My wife and I are focusing on buy and hold rentals and flips in the Chicagoland / Central Illinois areas. 

Here's what you need to know:1) Talk To A Lender Now -- The challenge lenders have is can they get you a loan in 30 days.

My last flip was a fire-damaged house, and I'm negotiating another one right now.Even with that background, it can still be challenging to get good numbers.