Hello Lisa and welcome to the neighborhood, As a recent arrival myself, I would greatly recommend the RPOA and their podcast.

if he doesn't ask for a consultation fee when he arrives, Give him 75.00. 

My last experience trying to refi was that they started with the number they thought it should be and fudged the data to arrive at it.

Or get jobs before you arrive.

Any way, like the salmon I will work hard to reach my goals but unlike the salmon I will not spawn and die a week after arrival.

You will probably arrive at the same conclusion as anyone else..Think of an LLC as a firewall, it can contain the fire in one segement of your portfolio and avoid loosing everything.

We accept, generally, 10% as a customary rate to judge an investment, but it is not a rate that is arrived at as it would be in other investments, like securities, where risk is assessed and securities are rated.

So I actually worked the numbers backwards until I arrived at $200/door.

In the end, we weren't the highest offer, but ours arrived with a 20% EMD (~75K) which seemed to make it stick :)

Notice required, running new amortization, accounting, verifying new payment (if deposited), compliance check and communication with a borrower is possible if they want to see how adjustments were arrived at.