Insurance was way more expensive this time—which I've heard is a nation-wide phenomenon—and it's the first time since the NAR settlement that we've purchased, so we had to cover part of our agent's compensation.

I get paid when the deal closes and so should any other lender.

My client's living room is completely unbalanced and odd looking because this wasn't done, which I had to hide with some fancy drapery "magic" that was expensive.

That’s a 20% return on investment before expenses, down from 26.1% at the same time last year.

I would highly recommend finding a lender that does 10% of purchase price down because it will ultimately be less expensive for you.

"the typical home warranty costs $450 annually, and only 25% of premiums are paid to homeowners.

I joined with the intent to surround myself with others in the field and build my confidence and understanding of the subject matter (:I live a disciplined lifestyle when managing my expenses and living below my means.

Let's assume that rent by the room yields $1000 per room all bills paid for the tenants.  

I live in my own primary residence and that is fully paid off. 

You are losing thousands of dollars a month in potential rents and actual expenses.