Brandon(same name),If you sent in the $50 fee to apply and paid another $50 in person then the city will apply the extra payment to the following year (2013-2014).

Bridge rates will be higher, usually 10%+. 

Prepayment penalties- usually 1-5 year terms.

Do you usually look to reduce your mortgage as much as possible or are you looking more in the future when you want to rent both sides?

Dividends usually begin in years 2 or 3 of the policy and your illustration should show this (guaranteed and non-guaranteed views).  

If you're dialing 100+ people a day and not coming out with 2-3 solid conversations per day after a week, then change the tools, but in my experience its usually the skill of the caller, so get dialing because the only way to get better is through practice.The good news: once you get some traction and close deals, you can hire a VA cold caller to do most of the grunt work and focus on the handraisers and nurturing them.

In my experience, one thing to consider is the "type" of propertyI have a property where I have a tenant that is usually late. 7months/year late.

If my client wants to sell to an owner occupant, usually brings more competition and a higher price, then I ask them to give notice and we’ll list once they’re out as we cannot have tenant holding over and ruining the closing.

When it comes to commissions in FSBO deals, it usually means avoiding the real estate agent commission, which can be around 6%.

Our program sets agents up with a team so they don't have to do the "extra work" of being a MLO.