After that all you need is the right team.  

There are 3 ways this can happena) Salaries increase (unlikely)b) Interest rates drop (not very likely since we I believe we have $8T of debt to sell next year that is coming off books and China and Russia are not buying US dollar as muchc) Home prices drop2.

I do value her as a cleaner and she definitely goes the extra mile and are the eyes and ears on the ground for me.

They are knowledgable in their space, but I find them on the pricey side.

Can the agent provide comps?

If a landlord plans to hold the property for a while, we always recommend an annual lease, ending to align with the summer leading lesson, or staggered with their other leases depending on the situation.  

Looking back, sure, after the fact looking back on a 2010 buy one can say how "easy" it was and how it rapidly became a "cash-cow" but at the moment in time of the buy, no, it was NOT prevalent or known what they'd be the next year, 5, 10 etc.. 

It's also in the wording, the state will look at a Fee to be the same as a deposit.

When the next down market comes, it’s going to be brutal.  

You cannot cherry pick a lender its not that easy you have to be more involved as a Banker or Loan officer.If you are not a lender my first thought was how welll versed are your point of contacts to assist a borrower unless its done through your software.