@Rahdia GreenIm sure there is a more efficient way but real quickly here's an example:I assume cell A1 looks like this: Green, Rahdia. 

can I get away with just my cell phone starting out or is a business #/fax line necessary to start out?

Is it best to contact absentee owners who are out of state through direct mail or cell them? 

I have about 60K in school loans, I bought a new car in January with car payments, and I have all the regular bills as does anyone else like cell phone bill, car insurance, cable/internet bill...that kind of stuff..and I live at home with my parents.So I have been really really looking into real estate the past couple of months.

Just like cell phone companies, they will be super nice to a potential and/or new clients.

Give me a call/email/text and I can forward info for a few lenders in town.Dawn NiermannRealtorBerkshire Hathaway HomeServices904-662-1357 cell/text

You could sue him, which would probably be like getting blood from a rock.Or, you could make sure you haven't paid beyond what he's done and then hire the next person to come finish - which will cost extra, because nobody likes working on top of anyone else.Or pay him extra to finish, which is kind of a bad idea for a number of reasons.

The seller must be related by blood, marriage or law or demonstrate a long-standing, family-type relationship to gift equity to the borrower.

He had a BUYER (investor) agree to pay both agent's cell phone bills for the following 12 months just to keep the deal from falling apart since there was no room in the deal for commissions anymore.  

You have Craig's cell number and the office number also.