@Kim Handelman I currently work with a realtor and he provides Comps, even CMAs although I don't like to ask him for CMAs because they are more time consuming.

The DF Act only pertains to consumer financing on home loans, not commercial loans, buying rentals will be a commercial aspect so long as you don't live in the property.Another matter is who presents the deal, who constructs the agreements, who drafts the note, often it's an investor buyer who has the sales pitch and sells the deal to an owner.

Buying expendables like letterhead will be expensed in that year as a consumable item.The funds used from your personal account are your initial contributions of capital that total is your first entry for your books and then allocate the expenses accordingly.

No license needed that I know of, advising on a mortgage to a lender/investor, there are giving advice to consumer borrowers and some in the commercial space. 

Bottom line keep trying to see if you can get them to finish but let them know what you are going to do if they don't.Below is the official New Jersey Consumer affairs Complaint website to file a complaint and Channel 5 investigative link.http://www.myfoxny.com/category/240703/contact-the...http://www.njconsumeraffairs.gov/HIC/HIC_complaint...

Charlie MungerThat means a whole more to me as a consumer than simply expecting to get what I paid for.  

@Joe Moore Firstly, you need to understand that "MyFico" is a consumer credit reporting product that gives you estimates on your score/history etc.

If the demand for houses increases, then it "causes" the values to increase (typically, not always), again a cause and affect thing.On your flip side questions, a buyers market is more a factor of supply in that the supply is much higher than normal, thus, even if there were the same number of buyers, since supply is plentiful, those buyers can not consume the inventory which generates the buyers market.

If you did the right thing, it's still going to cost you a bit of money, but you shouldn't get taken to the cleaners.Because of the demographics in Baltimore, managing your own properties might be too time-consuming if you have a full-time job or live out of state.

So...if you're willing to be diligent you can get the properties from the same places.I'm putting this out there for those 1st time investors who find themselves getting consumed by information from those out there who call themselves GURU's and want to charge you for their one of a kind secret to investing in real estate.