Besides the potential code changes, make sure to carry adequate soft costs for design.

I sent this to Wells Fargo and they denied it, tried again with Citi at 10% (WF's maximum payoff) and they countered at the same payoff.

First off, anyone who advocates biking the way he does has a soft spot in my heart.His basic message of frugality fits in with my way of thinking, although in some areas he seems a bit extreme.From a long term buy and hold perspective, the focus on cutting costs and watching and being conscious of your spending is a good thing to take to heart.

Right now while the economy is soft for single family units I'd like to get going with those....

The owner had a soft spot for my Dad or was it a bit self serving that he could have a maintenance guy (my dad) on premises.  

But the market is still pretty soft in the area, and I need around $165,000 in order to break even (5% commissions, closing and lawyer fees, plus paying off the 1st mortgage).I've tried and failed to refinance the property on multiple occasions, even through the HARP 2 program, but everyone keeps coming back with, you don't have a 75/25 LTV ratio, so we won't touch it.

Business for me has been EXTREMELY busy for the past 2 months.But as a whole, I'd say my market is a "soft buyer's".I currently own various real estate investments that I rent out (single family, duplex, 4-plex) that have worked well.

The CFPB has amended this provision to allow certain non-profit groups to continue extending interest-free, forgivable loans, also known as “soft seconds,” without regard to the 200-mortgage loan limit.Small servicer exemption expanded.

Thanks Tom...writing the books was exhausting, and there were a thousand times I wanted to just throw in the towel.

It sounds like it will be mainly for investing purposes - great, you may not need a conventional brokerage (KW, JSCott, Bain, Wind etc) Find one locally where investors are involved - not all agents (very few) understand investing.How to start: Run the hard numbers, grab a spreadsheet and call the brokerages - plug in the hard numbers and then quantify the soft differences (investor mindset, training options, brand advantages, CRM options?)