Each deal is analyzed and evaluated based on it's own merits.

Number 2 is fine if you don't want your money to work hard and you like to sleep at night :-)I agree both schools of thought have merit.

We no longer need to work to convince others of anything much less the merits of owning life insurance, of which there are many.

If your personal situation merits it you may try talking to a bankruptcy attorney.

I am sure both methods have their merits, but I am guessing the hand written approach will yield a better response rate.

This, however, was consistent with what was happening at the time.While I think the bias is for rates to move up somewhat over the next 24 months, I do not think there will be enough gas thrown on the economy to merit any substantial moves.

Simply don't put yourself in the position of trying to judge if their story has merit or not (you already admit you can't tell if it's a lie).

Remember the audit is there but the big x factor is the lawsuits.E and O quotes higher rates for property management.Even if the landlord and or the tenant or BOTH are at fault they almost always blame the real estate brokerage.Sometimes it is merited and many other times it is not.So to run a property management company you have to be very meticulous with everything.Many investors are out of state so they will want turn key management (one stop shop).Rates will depend on what type of asset and the size.When you go to IREM there is different training for different classes and sizes.For example the scope and management on a 20 unit apartment building will be very different from a 200 unit complex.Generally for apartments fees are 8 to 10% for 50 units and below and 50 units and above 5 to 7 percent of gross rents.Retail can be as low as 4% management fee.Houses you will be competing with low ball agents who are having a hard time selling real estate.The problem for landlords is once the managers start closing real estate sales they could care less about the rental.This is just like many agents doing bpo's now and when sales pick up they will dump doing the reports fro 50 bucks.If you want to be serious about management do it full time.In my area for houses the most reputable companies charge about 10% plus half of first months rent for houses.It's not about what you charge but what you provide for that fee.You will get landlords trying to squeeze the management fee because they overpaid for the property.That is not your problem when taking on rental property.I don't do property management but one of my broker friends manages over 400 homes with 10 property managers for his company.He likes the residual income it provides.He also land sales off of it as a side benefit.

AGAIN, I am not disputing that Vikram's premise does not have merit in theory.

Similarly, a note with a low LTV will merit a lower rate than one with a high LTV.