After they JV with me, Patrick Heller recommended I go a Hard Money route with them @ 20% down, 14.99% interest and 4 pts on a 6 month loan, 6 pts on a 12 month loan. 

Building plans are 'instruments of service' not products.

If you have a property in any of the cities, please advise the property management company you are using and how much fees are they charging monthly?

Hello BP Community, Why is P&I / Debt service included in NOI and not factored into operation expenses when adding up GOI ? 

Hey guys, I live in Phx,Az , single no debt what so ever, in car sales business (self employed)and monthly I make anywhere from $3k to $10k after everything, experian score is 640, im guessing with that fair score and no proof of income Im looking at a crappy interest rate and big down payment on at least -$300k, here in Az anything lower than that its because it needs re habing and to be honest i dont have no experience whatso ever in that field and dont want to end up in a money pit.

@Paul M.Fannie Mae publishes guidance on where they anticipate rates over the next 12+ months.

I know you mean well, but it's not the right way to approach someone who is well past wondering if they are within their budget this month. 

The Hardmoney lender will need ballooned out at 91k in 12 months. 

Thanks Bill for you invaluable insight.Are there any exception to 12 months residency for primary home loan ie change in school, job. 

These lists come up all the time with long term top of the market, etc etc and it changes every 6 months.