The thing with list brokers, we've found, is that they frequently order a large list and then resell it over time.

Get your finances in order.

In an example where the loan amount is $100k, that means that the 6.5% is going to cost $2300 and the 7.5% will actually result in a credit to you of $2500.I made the cost of the rate up, but every lender depending on what type of lender they are, is going to have their own costs or credits associated with any given rate that is above or below par. 

What made you interested in investing in this type of deal?

This is a proactive approach that helps ensure that you have the necessary information to prepare and file 1099s accurately and on time.Another best practice that I would suggest is to maintain accurate records of all payments made to contractors throughout the year.

They also continually mention how you can come to these forums for valuable insight.Assuming I have some nefarious intent by replying with a condescending "WHY", or it's as simple as a fourth down play (while not addressing my question) has made my journey here disappointing.I'll leverage rich content within this site and stir clear of commenting in the forums.

Then I would change the lease to say that the utility is "payable BEFORE rent", so that the law will see that when they made a payment the utility bill was paid FIRST and that what is unpaid is a portion of the rent.

Overall, things have made a ton of improvement over the last 10 years and it's only getting started.  

What made you interested in investing in this type of deal?

I have two questions, any home improvements I made like finishing my basement I know I can add to the cost basis of the home, do I need to have receipts for all my drywall, lumber , etc or can I just use a good faith estimate?