Your confusion is justified as for the most part, hard money lenders are funded by private investors---hard money loans available in NY range from 65~80 ARV, score driven programs for FICOs as low as 620, some will require cross collateralization or down payments, loan maturities ranging from 6-12 months with rates as low as 13.25%/3 points.Regards,Scott Miller Originally posted by "Windheim":Nope.

Remember, for every Microsoft, Intel and Google there's a Global Crossing and Enron.If you're going to own individual stocks, including your employer through an employee purchase plan, don't let it become more than 4% of your total portfolio.That said, I look at the following every day because I own them, for at least 20 years now, one has been a slam dunk winner, the other has done pretty good.

And hundreds of other things that cross your mind before making a decision to purchase a property!

I am a graduate student working on my PhD in Raleigh.My research is developing alternative fuels for energy.I have ~2 years left before I become a doctor (cross fingers here)I am currently not involved in real estate, but would really like to become involved.

You'll lose your shorts on those.No, you don't count the down payment to do the evaluation.

For rental properties, the interest portion of the mortgage counts as an expense on a tax basis.

When you cross boarders there are issues in one country that you would never expect in the other country.Poland's history includes a few wars, occupation by one or more groups (Nazi's, Russian being two).

One way to help get the count up is to write an introduction for yourself in the new member area.

DO NOT count on appreciation.

And, that doesn't count the costs of the foreclosure itself.