It does not need to rain nearby to get a flash flood down a wash, that is why hiking slot canyons requires a knowledgeable permitted guide (definitely a bucket list item). 

In that case the owner decided to require that the contractor be bondable rather than requiring a bond.  

My lender just told me that 2nd home liens are required to pay points.

It will require less down. 

Even after moving out after the mandatory primary residence requirement.

These institutions may have less restrictive membership requirements compared to local credit unions.

I wouldn't exactly call them wrong numbers, but it does require a little more detective work to track down your target if the only number you can get to pick up is a work number or a family member.  

While an LLC isn't required, you should consider having it for liability protection.

//cash Yikes, sounds like investing in real estate requires some good math skills.

Sometimes alternate strategies are required.