Hi BiggerPockets.com Community,I'm about to start my 3rd SPEC home, so far I have used savings, 401k loan, CC's (BT's), unsecured PLOC and lot loans to finance my own deals. One of my friends is interested on financin...

I see one block to the left prices are 100K lower then one block to the right. 

I have considered the possibility of paying no points and holding the property as an individual with hopes of refinancing in the next 2-3 years.

If they pass screening add them to a new M2M and you then have an additional individual to peruse for rent payment should it go to court.

I was reading something similar to what you are suggesting is that they take a little to heat up.Do you run the ones with individual thermostats and if so do you find complaints about tenants having to set each room or vice versa do you set a each level on a seperate thermostat.The unit I am looking at is about 900 sq ft as well and I am hoping to heat it exclusively with electric but want to be sure ahead of time that if I spend the money it will work.

If you find you're unable to get something right away due to your credit or income situation, you may still be able to acquire your first place creatively via a lease/option, seller financing or buying a place 'subject-to' the existing financing, plus there's always hard or private money however either of the last two would require having 'take-out' financing lined up in advance, which might be a stumbling block.

A civil penalty so collected shall accrue to the state and shall be deposited as received into the General Revenue Fund unallocated.501.211 says:  Other individual remedies.— (1) Without regard to any other remedy or relief to which a person is entitled, anyone aggrieved by a violation of this part may bring an action to obtain a declaratory judgment that an act or practice violates this part and to enjoin a person who has violated, is violating, or is otherwise likely to violate this part.(2) In any action brought by a person who has suffered a loss as a result of a violation of this part, such person may recover actual damages, plus attorney’s fees and court costs as provided in s. 501.2105.

You'll get the best results if you tailor your approach to the individuals rather than send out a mass email blast.

If you remember to switch off your power strips or unplug the individual devices, you can easily save $10 a month on your electric bill.Put your computer to sleep.

Will they try to block.