Reason being we want to encourage them all to stay here and stay active, not scare them away or make them feel intimidated to post.That stated, I must respectfully disagree with your advice.

I have recently read (cant remember where) that the number of health care lobbyists is at astounding levels.

These were niches that scared and intimidated the heck out of me they all required some level of experience and up front money needed; not to mention you needed to know how to speak the investor language to even play in those arenas.

Now this was my experience with property managers and I dont want to scare anyone off of PM's but caveat emptor by all means.

Sometimes complicating the decission just scares them off.

You seem to be saying that we have barely more than a prayer and that that would be based on the condition of my wife's health.

They bank will only be at risk for one loan.From a compliance stand point, the bankcan simply say the secured loan would not be funded until the signature loan was paid.This clearly circumvents the intent of FANNIE and that may scare the bank, but any private lender could do the same thing.The key is that if the loan is not advanced under that future advance deed of trust, there is no obligation and no valid lien.

People are not scared of a 9mm like the used to be.

I'm still new to being a landlord (3rd year) but I haven't raised the rent at all and would be scared to.

But, if you hold off to repair sheetrock and paint until later in the project, you need to be a lot more careful about not screwing up the stuff you've already done.Our guys are doing touch-ups (sheetrock, paint, trim, etc) throughout the project, and there's always at least one guy with a paintbrush in his hand at all times just touching-up as necessary (and as we point things out).Obviously, it takes a while to find a crew that you can trust like this (I would trust most of my contractors to babysit my 1 year old son), but once you do, this business becomes about 100 times easier.My best advice is that you shouldn't be scared to go through 100 contractors to find 3 or 4 good ones.