The wood filler sands off very easily, and the Abranet mesh is soft and makes hand sanding a breeze.Next, caulking time!

Also, completely replacing soft drop ceilgin tiles (if present) might be in order.

Sandstone is a 'softer' rock material, but it's not so soft that it can't function as a retaining wall if the retaining wall is built and designed correctly.

The more important thing is your soft and hard costs, however, 5-6 commercial clients will easily be beaten by 22 unit apartment.

I've never looked into and know nothing about him or his dealings outside of Vincent's podcast episode that quite honestly, I don't recall specifics of.One thing's for sure...I enjoy my soft pillow and good rest at night.

This means an acquisition cost, soft costs, hard costs, and basic financing terms estimated on a spreadsheet. 

Use old towels to sop up puddles.  

Some businesses has less magnitude and higher velocity but ideally you want the most of both so you can create the highest net worth or asset value as possible.Example:Buy a 20k sqft lot for 200k Build 30 units @cost of 50k per unit = 1.5M cost (Including engineering, permits, utilities, soft costs and construction)Market rent is 950 per 2bd 1 ba X 30 units = 28,500 gross income per monthUsing quick 45% of gross rents for costs leaves 15,675 monthly net operating income X 12 months = 188,100 annual NOI188,100 annual NOI  / Cap rate of 5.75% = $ 3,271,304 value - total costs of 1,700,000 = net wealth generated = $1,570,304 & monthly cash flow created: $ 7,800 after debt serviceThe NOI is the magnitude or income and the cap rate/market rate is the velocity or multiplier in this example.This is only 30 units so you can imagine what can be done with much larger scale/models/numbers or businesses.

@Ellis San Jose so if the custodian is Wells Fargo, then the title on the note should read "Wells Fargo custodian for Jane Doe Roth 401k", and the paper itself would be mailed to Jane Doe but the payments mailed to Wells Fargo, correct?

If you do not have the ss# it is still possible to get a soft pull of the credit most of the time.