We get hundreds of calls every day from people who have newly installed and existing AC units stolen.

Mine is to acquire 5 properties by the end of 2014 and to funnel the cashflow back into the mortgage with the lowest balance until each is paid off.To address your question and your wife's question, read the 3rd post here by @Ned Carey http://www.biggerpockets.com/forums/12/topics/90638-next-stepAs far as the spreadsheet, I'm pretty sure a template doesn't exist.

This results in maybe 1 to 2 deals the first year even if they are a dud in creating additional business.The first 10 years as an agent goes usually like this.First 3 years is 80% new business and 20% from your existing sphere of influence.Next 3 years is about 50% new business and 50% repeat business.Next 4 years is about 20% new business and 80% repeat business.It's not that you aren't getting new business it's that by now you have a group of people that you know and want to work with on a daily basis and do not want the ONE OFF deals that take a bunch of your time and energy.

They are all pretty much the same, since they are 'regulated' by the state board.

If a note is or was exempt from regulations, how do you prove that?

thank for the info. i meant tax exceptions and writes off lol. but how would one go about using a property thats paid in full clean title as collateral. would it be better to take equity out the home (while its being rented) or is there another way to finance the purchase of another property using the existing one as collateral.

You could assume the existing lease if you take title or make a new one if you have a master lease arrangement, you can't lease a property that has already been let to another.

For the "TL:DR" crowd (not sure if that exists on this forum), I'm basically trying to find out what the minimum requirements to be an "owner-occupant" are.

Some banks allow you to pledge the existing equity as a down payment rather than forcing you to cash out refi to put it down on another property.

If you're looking into existing mobile home lots with the infrastructure already in place, it may be more cost effective.