I'll pass.Very rookie question for you, @Patrick Roberts and everyone else here: I thought that post-Dodd-Frank, the barrier for mortgage lender accreditation/licensing was essentially raised to a point that HML’s and private lenders were effectively iced out of securing loans with a mortgage or DOT.

These days, in this market, it's essential to have a home that stands out. 

I can’t contribute on STR arbitrage, but I own STRs and have a portfolio of homes here we essentially arbitrage for assisted living, I CAN say the latter is awesome.

They are an essential member of your team.

I have been looking into the South Philadelphia market as the area is expecting the Bellwether District, a megadevelopment of industrial and life-science buildings, to be delivered in phases over the next dacade.

There is essentially a black/stainless steel stove.

I am essentially looking to start over and with more caution in getting better investments.

It's essential to build a team of professionals, property managers, real estate agents, and contractors who specialize in investment properties.

Selling** - **Refinancing**: Since you have about 20 months left before the balloon payment is due, it's essential to start considering your refinancing options now.

Essentially, it's the difference between what you paid (adjusted for improvements and depreciation) and what you sell the property for.3.