They were roughly 15 points higher but I think a recent hard hit inquiry lowered the number.My wife and I have a combined, established W-2 of 161K annually.No major debt except for my primary home, an escrowed mortgage of 1600/month.Here are my top two options:20-year note at 4.63% with 20% down30-year note at 4.75% with 20% downI'm leaning towards the 30-year note because I'm not concern about paying off the note faster with less interest but more concerned about getting a higher cash flow with the least amount of cash upfront.CAN I GO BACK TO MY LENDER AND SOMEHOW NEGOTIATE A LOWER INTEREST RATE?

They aren't being crazy, yet, but you need to establish boundaries so you don't get pushed around.

We recently brought in a highly established contractor & crew who are wrapping things up.

Similar checkbook control can be established with a Solo 401(k) Trust if you qualify for that plan format by being both self-employed and having no full time employees.It sounds like you have been talking with or reading about IRA custodians, and need to get on the phone with an Advisory firm that can do the necessary legal work to put you directly in control of the funds.

It would be great to meet up sometime to discuss deals & strategies in the Buffalo area, I’m looking to start buying in the Buffalo area later this year once my US credit history is established.

Those who already have a very well-established business, do you have a department dedicated to marketing?

My question is not about protection at this time (I'm sure later down the line I will establish an LLC for increased liability protection as I expand my RE business but I will get an umbrella policy starting out).

A lot of established agents will refer clients to you for a commission split, especially investors who are typically shopping for low-price property.

What is the best way to establish a rate to charge security deposit for repairs such as drywall patching and repainting if I do the work myself.

Once you establish the market rent start digging into the expenses.Is there alot of vacancy?