I've found you can get all the bells and whistles (soft close, plywood boxes, etc) for cheaper pricing.

So its just one mans experience I do not mean to paint a industry with one brush..

(some off them nice and some not) a lot off times i get asked questions that will get me in trouble with the law. unless you know the person very well he or she will just brush you off and wont give you an advice to help you with your situation.Create a relationship with your mortgage broker.

Scrub with a brush, mop up the mess, then repeat as necessary.

I only read an article on CNN, so I might not be properly informed but this is what the article said: "1-- Create a new state misdemeanor crime of willful failure to complete or carry an alien registration document. 2-- Allow officers to arrest immigrants unable to show documents proving they're legally in the country. 3-- Ban so-called soft immigration policies at local police agencies and allow people to sue if they feel a government agency has adopted a policy that hinders the enforcement of illegal immigration laws. 4-- Prohibit people from blocking traffic when they seek or offer day-labor services on street corners."

Next step will be to determine hard and soft costs and the max I can pay for the property if I want to achieve a 20% return.

What if the agent saw an opportunity in the future to make some extra money at the expense of the OP (for example, soft negotiation to generate a higher sale price) -- would s/he do it?  

you can't remove inquiries from Experian, on Trans Union you can by pulling your credit report through www.smartcredit.com repeatedly,,on equifax you can remove all hard inquiries except mortgage inquiries by pulling that report repeatedly.I hope the credit people dont' read this board,,on another board you sort of have to speak in code about "bumping", which is what you are doing,,the credit bureaus only give so much space for inquiries on your report,,,if you load it up with "soft" inquiries (like pulling your own credit), you will drop them off,,,but it takes a couple of months to get results.All 'soft' inquiries don't count,,you have to know which ones will,,but smartcredit works for TU and equifax itself works for equifax.What ever you do, never make any reference to what your doing to the credit bureau,,don't call and ask "when are my inquiries going to drop off",,,you will only cause yourself massive problems,,they don't want anyone to know it existmake sense?

My understanding is that this will be a soft pull.Credit Sesame will give you your Experian score,Credit Karma will give you Transunion, andEquifax Credit Score Card will give you a range.Here's a link I found from someone who walks you through the various sites: http://www.moolanomy.com/826/get-your-free-credit-score-online/

Fridge, range, microwave, dishwasher, washer/dryer all for about $2100.We use lower-end brushed nickel fixtures (lighting and plumbing), all new registers/switches/outlets/plates, and standard 6-panel MDF doors.As for recessed lighting, the cost comes from the materials and the electrician's labor, so whether you're tearing out the ceiling or not probably won't impact the cost too much, unless you're tearing out enough sheetrock to make the wiring a lot easier.