-dealing with the new federal and state laws (CFPB, SAFE Act, TILA, RESPA, Dodd Frank, etc)-planning and expanding your business-start by being a technician; then move to manager, then move to entrepreneur (delegating and motivating); The entrepreneur works at the enterprise level, the manager at the business level, and the technician at the practice level. 

But If I'm paying 10% apr then it is $10,000 for a year use of the money. if it is just the time used then it is $833 per month( 10,000/ 12 mns.) unless of course it is compounded monthly, then the amount would be a little more each subsequent month. can anyone explain how a typical hard money loan works?

That's generally an optional coverage, and if you don't have that coverage included on your policy, then the insurance company would not owe it, and subsequently would not pay for that. 

I rapidly built up to 1000 apartment units during the 2000's and subsequently lost them in the downturn. 

Subsequently I've received an offer from a buyer who wants to buy it as-is. 

Oddly, until just 3 months ago, the IRS could call you to inform you that you were under audit, but a letter would always be sent subsequently.  

Account Closed, if your own prior analysis agreed with the subsequent BP podcast method, why the "surprise"? 

But, not sure the numbers would make sense, anymore, with the subsequent payment.  

I got my start in sales by working at Enterprise rent a car renting cars.

An enterprising individual built an RV park 1/10 of a mile from the entry gate to the Amazon facility in the industrial park.