Depending on the amount of natural light in the property I tend to use Quail Ridge (gray color) for bedrooms and family rooms.

Does the 10% take into account forced and natural appreciation?

It wasn't long before I realized that the books I was most drawn to were all from BiggerPockets; naturally, this brought me to the community.I hope to connect with other D.C. area investors to talk about the unique challenges and opportunities our area presents.

@Andrew Irwin by nature, OZ funds are primarily designed to work with accredited investors for a variety of reasons.

I have had clients in weapons defense that have had to remain very private because of the nature of their work etc. 

They just self insure, however, one nature disaster or fire could really hurt you I think.

Title/Escrow companies legally have to be a natural party and normally in their closing documents, they prepare they should have that stated somewhere.

Student debt along with a generally more frugal nature could keep them away from the McMansions of their parents generation.

I would like to naturally put some cash down with a good loan on a property but am wondering if I have to wait until an actual credit score number has to be good on paper regardless of history and circumstances?

Due to the nature of my invest in owner-occupied properties, I tend to move a lot.