It is not common that the realtors know how to determine ARVs; they are usually more trained for retail sales.

Look around to see what is most common in your area, then make a few changes to stand out.Competition is actually helpful to you.

These loans are usually amortized (split up) over a 20-25 year period so payments are reasonable.There are a variety of other types of loans, but these would be the 3 most commonly used for buy-and-hold investing.

I planned to use the same tile as I use in the common hall.  

That's the world of Commercial Lending - -Pro:- the CU is treating you as a professional - - not too common for CUsCon:- the ARM and refi Typically, these loans are  X years, Due in Y (implicitly coming due with a balloon payment.The X years sets  the amortization table and you refi at Y years;  eg 20/due in 5The propert(ies) are already vouching for you (hence Com Loan), so when the Y years arrives, you're refi'ing the balloon amount and it should be a cakewalk with the same CU unless the IMF, EU, & US Treasury all go belly-up.

A wrap-around mortgage, more-commonly known as a “wrap”, is a form of secondary financing for the purchase of real property.

SWD is common (or Trustee's Deed in trustee states).

One common thing I've heard consistenly on the podcast is that to be successful you just have to be honest and open and not shady.

Water, Power & Gas are all independent services and each deserves to be considered separately IMO.I have common water, but separate power and gas already, but consider:water is relatively cheap and constant each monthpower can be very expensive, especially in an all electric buildinggas is not bad, until the winter monthsI looked into adding AC to my units and the equipment+install was the cheap part; the sky fell in for the electrical upgrade (5k/apt).   

Or both like me.One of the most common jobs is leasing agent.From my understanding New York is different than a lot of places, leasing agents are also real estate agents.