Don't confuse flat fee for limited or listing only services.

After the time limit you'll see it says "update" you can put info there and it will show up in a separate sentance under your original post so other people will know what you added.

I tried rentometer, as well as rentmetrics and zillow but their estimate seem too high based off of craigslist and my own, admittedly limited, experience.

Different markets are better or worse for those investments - Birmingham is great for SFR, but the B-class cashflow MFR market is pretty limited, for example.

Hard money comes from companies who lends money at higher interest rates than normal for a limited amount of time.

I'd say the banker is pulling your leg a bit, as the secondary market is practically a limited risk with quality originations, there aren't any specific program changes dictated by Dodd Frank but there are other things going on that make things tighter for lenders in compliance, underwriting, reserves and management.As to Fannie and Freddie, 95% LTV won't go away but underwriting may be tougher.

My realtor has done the following (but not limited to) and he has me on the brink of relieving him of his duties:1) talked to other clients or realtors, or even held personal phone calls during a house viewing (more than once)2) told me that he shuts his phone off from December 24-Jan 23) Sometimes does not respond to calls/texts within 24 hours4) Didn't know what ARV meant when I used the acronym and then proceeded to say he never heard it called that before...Maybe I'm answering my own question, or maybe I'm being overly picky but usually I'm right about my gut instinct.

My gut is telling me that it's going to be a bumpy year for real estate considering interest rates going up to around 5%, tighter lending requirements, lower FHA loan limits, the big hedge funds and REITS moving out of the cash market.On the other hand, inventories are low, distressed properties are being taken off the books and defaults are low.So demand will outstrip supply in most areas of the country if only slightly.But that's just what I'm feeling.

You may have issues that we don't understand based on the limitations of information in the post.

The corporate life is becoming very monontonous and way to political these days so I am taking the plunge to learn a bit more about REI to hopefully someday (soon) make a leap and fulfill a dream.My experience is limited to a few books, some great reads here on the BP forums, growing up in a DIY family (so I am pretty confident in basic carpentry), and priding myself with common sense.