There are dues/a toll to be paid for making it in America.Steve Jobs, the founder of Apple, once said: “People think focus means saying yes to the thing you've got to focus on.

There are always bad apples in every basket, so start looking for an investor friendly one in your neck of the woods.

It’s good to drive your comps to, just to make sure your comparing apples to apples.

I have never used Hard money before and I am pretty curious about it.One of the things alot of new investors fail to understand is that often when you shop hard money you are often looking at apples and oranges not apples to apples. 

The benefit of appling for an appraisal is when the taxes, penalties, ect happens to be more than the property is worth, then the appraisal will give them the ability to sell the property for the lesser amount which would be in that case the appraisal.

Mark, you're mixing apples and oranges, those fee structures apply to regulated lenders and dealers, not mom and pop or private lenders who are and have been for decades restricted from charging "lender fees".

Apples to apples, a 90 late in NO way has the same credit score effect as a foreclosure.How can I say with sufficient tenderness what must be said?

Re-qualifying for residential loans versus commercial is apples and oranges.Until you know what type of loan this is and what is involved you will not know options.

It also sits just about 15 minutes from the new Apple campus that is still being built. 

Also as noted, the damage typically does not stop at the sill plate, so just be sure you are getting apples to apples bids.