:D We're about to buy our first investment property, a duplex with excellent income.

I picked it up on E-Bay for $35 shipped. a simple excel program will work.

I'm in the Metro Orlando area (Osceola, Seminole, Orange, Brevard, Volusia counties) and I was told the best strategy for me (excellent credit, no home, about $5K in cash) was to trade-up given the market here in Central Florida.

Okay, here goes...I have what I believe to be an excellent investment property:ARV= $400kPurchase Price: $240kRepair Value: $12kThe problem is this,It is a bank-owned property and the bank needs verification of funds BEFORE signing a purchase contract.

I'd rather just apply the adhesive directly to the sheet vinyl (given its bonded well to the floor) figuring the cvt is thick enough not to allow telegraphing anyway.And BTW, you've offered some excellent advice in well written entries on this forum.

Let's not forget, the goal in baseball is to win the world series, this takes a full season of excellence and commitment.

Marc,Thanks for sharing.Many people who understand personal credit think that business credit is a black art.

And in regards to HML, im new to this whole thing but I see it as an excellent way to get funds.12-15% is not the problem if you got a good deal.

Hi James :welcome:This is an excellent place to learn a lot from guys who know what they are talking about.

I have excellent credit.