As a real estate investor or even just  simply a home buyer you should be familiar with all the lending institutions or private lending entities in your area and know their policies and procedures, their lending rates and criteria.

I don't mean to be stand offish, though @Hattie Dizmond might tell you it's in my nature to be, but money is not what you need now :)

It will just become second nature.

. : )Doing hold backs and other procedures helps keep them honest and not play games.

Therefore, english isn't ''natural'' for me. but yeah, I have people (family) who will ''sponsor'' my loans with the bank.

If you are asking for the cash discount, make sure to get the procedure codes from the office and run a rough check through this site http://fairhealthconsumer.org/ and the medicare site as well.  

At first I was only looking for properties with a concrete basement because of the natural disaster - tornado.

It does sound as if you are looking for ways to circumvent laws and proper procedures and that is no way to run a business.  

There was some hype a couple years ago around the natural gas workers coming in, but that was really just the occasional home run you hit for 6 months.  

It has probably the highest durability and lowest maintenance of other stones, at a fraction of the cost of natural quartz.