I can just speak about Hopatcong.

Generally speaking solid insurance and a good umbrella policy will provide ample financial protection for most liabilities.

Re 3X 6X not sure what you are speaking about.I was addressing reserve requirements which do not have anything to do with PITI 

Thanks I honestly hate public speaking Which is weird considering I was in front of classroom for almost 20 years If your ever in po m-f shoot a call or text  I’ll try and make time to meet for a coffee

Many lessons have been learned firstly is you can’t be too nice or trusting and second is, don’t wait to figure out the refinance and cash out process and until you are almost done with rehabbing the property because currently going through a very lengthy, cash out refinance ordeal at the moment as I’m trying to get financing terms finalized as we speak.

Good question here, generally speaking one year is the expected timeframe before you would be able to purchase a new primary residence (also referring to how long you would generally be expected to reside there). 

Typically speaking 20% down (80% LTV) is the bare minimum that commercial lending requires.  10% down is unheard of unless you are getting a great deal and negotiate some small seller financing in second position or getting an SBA Loan for acquisition where your business will occupy over 51% of. 

The ability to speak the hard truth with empathyIt doesn't matter how good a mentor is: if they don't mesh with you personally, it will be a disaster.

I finally was able to speak to her - she confirmed she's planning to be out by the end of the month.

Their demonstrated experience and reputation in the industry will speak volumes.