@Robert HetrickPer the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).

You need a calm consistent demeanor and the ability to handle and solve problems and you have to effectively deal with lots of different personalities.

From a gut feeling, it feels like there are a much higher amount of people just waiting for "the next crash" as if it's something that's guaranteed to happen.If this is true, then wouldn't that soften or even negate the effects of any downturn that may occur?

But in effect they're the same and yes it's common.Generally the only way to avoid points or an origination fee is 1) going directly to the lender (no broker/intermediary involved), and 2) have an established relationship with the lender. #2 could mean either that it's a HML you've done several successful deals with, who cuts you a break and eliminates the points, or is a private lender who isn't real estate savvy and doesn't even realize points are common.It's basically the same with lending as it is with buying houses: The more work you personally put in to make the deal happen, the better deal you'll get.

Why, because say you change the window glazing and it effects the exterior wall value.

IF the original lease is still in effect, contact the original tenant and let him know he is liable and you intend to hold him accountable.

Is that date still in effect? 

Many folks seem to want to hold right now until we wind down from COVID-19 and are able to see the true effects on real estate investing.

It feels terrible every time, but it's effective.

I'd say, for pre-screening tenants on a first call, this could be pretty effective as you're just looking to have 4-5 questions answered and anything additional that the tenants want to know can be answered on your follow-up call.Other inexpensive options for VA's can be found in Facebook's marketplace, Fiverr, Upwork or other online sources.Best of luck to you moving forward!