I am definately listening to that!

How do yo define "bang for your buck"? 

Exactly where and how (if definable) should you put your foot in the door.

I'm curious how you are defining the hard money lender because (like others have suggested) we don't see HMLs do 30 year notes.

When I am ready to invest in real estate, I want to be able to get a better understanding of how to determine by analysis what defines a good deal.

How is stress defined ? 

I wouldn't say I "send extremely low offers," rather I would say that I send the "right" offer ("right" as defined by me - everyone has their own criteria).

And the state defined process is pretty clear for LLCs, so no new regs.  

definately zoning laws and Conversions there's the city permit office downtown that would have more info.

If you don't already have your EIN apply for one.Apply for EIN OnlineIf you have multiple members in your LLC you might want to draft an Operating Agreement to define roles and responsibilities and how profits/losses are divided.Open your checking accounts.