By the time you are 30 you will be pleasantly surprised, as long as you are consistent you will find your own island. 

I don't think ill make it in time but just to share with the people in here near Jersey City, there is a big meetup there tonight at Smorgasbar looked like a pretty good one 

Some banks also offer them - I just had a client use Union Bank to obtain a HELOC with very pleasant terms.

hey @Cross Colgrove, first I want to start with I do not know the Indi market, so that needs to be taken into consideration.First thing that stood out looking at the report is the refinance rate you have in there at 3.5%. is that a rate that you have validated and are confident you can get at the point in time you plan on doing the refi?

Have your process in place consistently - ie have your financing documents saved at all points in time, be ready to pull the trigger with pre-approvals locked in quickly or a lender that has proven they can quickly turn around a pre-approval and close for you. 4.

@Isaac LaneIt is very possible, but one would need intimate market and sub-market knowledge, boots on the ground, the ability to close on properties, and a good buyer list.

For example, in Kansas City, I am looking at additional submarkets like Pleasant Hill, Harrisonville, Liberty, Platte City, Olathe, Grain Valley, and Raymore.

There have already been a few good definitions and points, but I wanted to add some more context.Most of these terms at one point in time had a very specific meaning usually related to how the active investor who would be responsible for executing the investment, or guaranteeing a loan, or sponsoring a securities offering, etc is described in a legal document or legal term related to how an entity is incorporated and structured.

So if my initial investment was $100k and I received an accumulated amount of $40k back over time, my exposure at that point in time is $60k.

Raine is super slow at getting these closings processed in time.