.- Would you be requiring custom changes often to your digital workflow?

Appreciation for Jacksonville for 2019 should be a bit less than double-digit, then cool down next year as we enter a recession (2 quarters of successive declines in GDP).

Do you suggest adding a package to my digital guidebook or offering it differently?

Just make it digital so you can update it constantly.

Both are digital-first banks with minimal fees, and Mercury in particular offers free domestic and international wire transfers for most account holders.

Keeping a 2.99% rate sounds great, but it may be costing you thousands of dollars if you are in the double digits with your other outstanding debts.

The pay stubs can be hard copies or digital PDFs generated directly by your employer and sent via email; we cannot accept screen captures to verify income.Once your completed application materials have been received and it appears that you would meet our qualifying criteria, we would send you a link to perform a credit/criminal background check (this minor expense would be yours), and if those results come back acceptable, we would offer to proceed.

.- Leverage Serviced Housing & Co-Living Models: High-end, furnished rentals for military professionals, digital nomads, and traveling contractors.Example Strategy- Raise $1M from 10-20 investors (military/gov personnel) to buy 3-5 properties in Germany or Spain.- Use seller financing & local bank loans to maximize purchasing power.- Rent properties to military families, U.S. contractors, or co-living tenants for stable cash flow.- Utilize local tax incentives and investment visas to increase ROI.Why This Could Be a Billion-Dollar Play- Solves a real problem for U.S. military/gov professionals looking to invest overseas.- Provides stable, built-in demand (military personnel have guaranteed salaries & housing stipends).- Creates an alternative wealth-building strategy for a niche group of investors.- More scalable than traditional rentals.

If you do it right, it’s arguably the best market to invest.Purchase: $80k-$130kRent: $1100-$1500 (no rent control in MI)1% rule: .9%-1.4% rule dealsCoc ROI: 5-12%Total ROI: 20-40%Cash flow: $50-$250/door (after all expenses and budgeting for maint, capex, vacancy)Appreciation: 3-10%+ (has been double digit for a decade)Location: C+, B-These numbers are based on the “sweet spot” in Metro Detroit.

You anticipate that the winners provide much more profit than the losers, and you end up with a portfolio that produces a double digit return + a “salary” for your active participation over time.