And in the meantime, here's a virtual coupon for a tasty fresh Deschutes beverage of your choice.  

From what I understand, with some of those retro colored bathroom tile jobs, there are companies that can paint the ceramic rather than ripping it all out and starting fresh, for a fraction of the price of an overhaul.  

Risk is the basis for interest charged, however some lenders just peg a rate at what they think they can get, that's a money store approach and they generally mark up the price for money, most hard money lenders are in this category lending with limited underwriting factors.Also understand that an investor who approaches an individual who is not a real lender, takes on the liability of presenting the lending opportunity, much like if you were selling a bond.

I keep tarps on hand , If you wait till there is a problem the stores will be out  . 

Any conferences in Dallas, or anywhere for that matter to see fresh investor strategies?

And... in older areas of Phoenix, Tempe and Scottsdale, with emerging neighborhoods, revitalization and gentrification, there can be a house worth $120k sitting next door to a freshly rehabbed house worth $300k-$400k......with the investor buying the $120k house and a family buying the other.Another reason renters aren't buying the cheaper houses is because those houses are in such rough shape they're barely livable...and buyers these days expect to find cheap yet renovated houses that look like they belong on HGTV...unrealistic expectation!

@Karen MargraveWith cloud base services you are entrusting the care and security of your information to someone else.Another factor to consider is where the data is stored ... and the privacy legislation of that jurisdiction.   

When you re-fi you will probably get a fresh hit on your credit. 

It works at Wal-Mart, in a diner, standing in a bank line, getting gas, at the grocery store, everywhere people are.I've pulled more leads out of a restaurant having coffee in an hour than you'll likely get with 100 flyers. 

So this is a little late for this year, but it is fresh in my mind and I'll try to remember to refresh the thread in early December next year.