> Research has indicated that FICO Scores are more predictive when they treat loans that commonly involve rate-shopping, such as mortgage, auto and student loans, in a different way.

I, too, recently purchased Cardone's "Mastering Objections" for $49 which is predominantly geared toward auto sales, which is how Cardone made his money that he used to buy multi-family housing.  

Having said all that, with the rise of wire fraud, email hacking, and CFPB implementation, etc most companies are now auto-encrypting every email that goes out, with zero employee effort, to ensure that there are as much securities in place as possible with every email.

mostly due to the auto clean spray that makes it brittle. 

You have to be a Realtor to log into and see the info on the MLS.Meet with a Realtor, give them your criteria and ask them to put you on an auto search.

Every time the water is pushed low enough to reach the bottom of the glass, the auto feeder will think the boiler is low on water and begin filling.

So here are my future numbers:  Address Type Sq Ft Rent 4102 2 bed 1 bath 945 $800.00 4102 -A 2 bed 1 bath 945 $800.00 4102 -B 2 bed 1 bath 945 $800.00 4102 - C 2 bed 1 bath 945 $800.00 4106 A 3 bed 1 bath 945 $800.00 4106 B 3 bed 1 bath 945 $800.00 4110 3 bed 1 bath 945 $800.00 4110 A 3 bed 1 bath 945 $800.00 4110 B 3 bed 1 bath 945 $800.00 4110 C 3 bed 1 bath 945 $800.00 Total 9450 $8,000.00 Income Rental Income $96,000.00 Total Income $96,000.00 Expense Utilities $2,000.00 Water/Sewer $3,000.00 Taxes $4,000.00 Management Fee (8%) $7,680.00 Home Insurance (both) $4,000.00 Vacancy (7%) $6,720.00 mtg Total Expenses   $27,400.00 Net Operating Income $68,600.00 I am getting hard money loan with these terms: LOAN AMOUNT: 80% of the purchase price and 80% of construction costs COLLATERAL: 1st DOT on subject propertyTERMS OF LOAN: Type: Multiple advance loanLength of Term: 270 days (looking to extend this to 12 months)Rate: 10% per annum with interest paid monthly Loan Fee: 2% of loan amount paid at closing by BorrowerDoc Fee: NonePrepayment Penalty: NoneBorrower Down Payment: 20% of purchase price and 20% of construction costs (can be held at a security deposit in lieu of a downpayment, in which case the loan amount will be 100% of the purchase price & construction costs)APPRAISAL REQUIREMENT: Approved appraisal required to indicate the 'As-Is' Value of the subject property to be at least equal to the purchase price and 'As Complete' Value of at least 70% Loan-to-Value, paid for by BorrowerGENERAL REQUIREMENTS: Review and approval of Borrower's itemized construction budgetConstruction funds to be advanced in draws as requested by Borrower according to % completion, approved 3rd party inspection company will inspect property at time of each draw request, $150 fee per draw/inspection, detailed instructions attachedReview and approval of Purchase ContractReview and approval of Borrower’s brief description of experience, current credit report (Authorization Form attached), proof of funds, last 2 years tax returns, W-2’s and pay stubs and additional info as requested by LenderAcceptable drive-by inspection of property by LenderIndividual guarantee required if Borrower is a corporation, LLC, partnership, etc.Interest payments shall be paid to Lender through automatic payment service (auto debt)Title insurance and property insurance acceptable to Lender paid by BorrowerOther documentation and information may be required as determined necessary by LenderMy end goal here is to buy and hold with the BRRR strategy to get most of my capital investment funds out.  

I can set auto texts, and all sorts of stuff.  

Where the umbrella policy is of more significance is to cover you in the event of an auto accident.  

I use Owners Insurance Company (aka Auto Owners Insurances Company) but I haven’t shopped it in  a while and I’m not sure if they write in NC.