even if the sales associates pay for the insurance (or a portion of it), you've still got to have access to lawyers and pay them to represent you and protect you and your business.

If that 750 is so vital as to not make me money on a deal, then it was never a deal in the first place.

If any portion of it is with a former employers 401k, he can convert that portion to a solo k (aka individual 401k) and have options of a variety of RE investments.

It is unlawful for a person, in connection with the application for or procurement of a loan secured by real estate to: (1) Employ a device, scheme, or artifice to defraud; (2) Make an untrue statement of a material fact or to omit to state a material fact necessary in order to make the statement made, in the light of the circumstances under which it is made, not misleading; (3) Receive any portion of the purchase, sale, or loan proceeds, or any other consideration paid or generated in connection with a real estate closing that such person knew involved a violation of this section; or (4) Influence, through extortion or bribery, the development, reporting, result, or review of a real estate appraisal, except that this subsection does not prohibit a mortgage lender, mortgage broker, mortgage banker, real estate licensee, or other person from asking the appraiser to do one or more of the following: (a) Consider additional property information; (b) Provide further detail, substantiation, or explanation for the appraiser's value conclusion; or (c) Correct errors in the appraisal report in compliance with the Uniform Standards of Professional Appraisal Practice.2.

The largest portion of participants (37%) are expecting cap rates to decrease by less than 24 basis points by the end of 2013.

Moreover, in MANY instances criminals have been shot multiple times in vital areas and still continued the attack!

An argument can be made that since the buyer knew that the portion of the house was added or converted illegally therefor, the buyer (owner) failed to take the necessary steps to avoid damage or accident.

Took me a bit of time but I have come to the realization that for me real estate is the best place to put a good portion of my money earned from my last business. 

The portion that is "paying down the mortgage" is not a return on your investment so it should not be calculated as such. 

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