And in my case, I have had the privilege of having some of the best mentors in my industry.

This title company is a reputable one, and they appear to be simply pushing the industry standard -- ie promoting fear -- when it comes to the Owner's Policy.

You stand out as the stop-dreaming-guy which is needed in this industry.

I'm looking forward to becoming more interactive.The podcasts helped me through my half ironman training this summer and the forums always contain a wealth of information.I currently work in the healthcare industry, but spend a great deal of my spare time developing algorithms to analyze properties!

Again welcome aboard, and there are lots of women in the industry, you will just be another pretty face in the crowd.

Debt to Income - DTI - is only use on FHA, conventional, Va and other typical residential transactions (consumer front).If you're going to a portfolio lender they look at lending from a 1.25x DSCR point of view (industry standard) which in essence is a 80% Debt to Income if you think about it.1 dollar of debt / 1.25 dollars of net operating income (NOI) = 1.25 X DSCR = 80% DTI Never the less us bankers joke about it all the time because it might be crazy from a residential loan officers point of view but in the banks eyes its not from a commercial point of view.The commercial bank views income property as a consistent sustainable source of reocurring income especially in stronger rental markets so having 1.25 dollars of net income coming in for every dollar of out going debt service payment is acceptable.The mess with this 1.25x they will sometimes make you conform even while subjecting you to underwriting at higher rates, shorter amortization periods, and other income adjustments that make it harder to obtain 1.25x.

I have been interested in the real estate industry since i was teenager and got my license this year at the age of 21.

-Nokia: failed to make the shift from basic cell phones to smart phones.

Private industry could not get enough people to pay for flood insurance voluntarily as it was too expensive (low probability/high impact scenario), so they stopped covering it.

Those areas are a bit too industrial for me, but not for a working couple starting out who rely on public transportation to get to work and around town.