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I have RealtyTrak and I've seen some larger commercial properties I thought might have residential conversion opportunities in that area, but that was more of a passing fantasy, something like that is too large of a project for me right now (in terms of both time and capital). 

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@William Walker The conversation has definitely deterred a bit, but that's okay as I'm learning why people see the value in their PMs so much.Ultimately, I would be much happier to pay a $500 tenant placement fee than I would pay half months rent when the rent is $1000.

I've never been able to hear their conversations only their walking and rapid bed movements.

So I guess the whole conversation is a moot point. 

Being able to talk to a stranger and then turn them into a friend over a short conversation because you both have seen and found common ground was the most exciting part of living aboard.

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Especially because my stocks are even riskier (but my stocks are ok. high risk, short time, it already worked, its been great, long story, doesn't matter.)I havent had an official conversation with her on the topic, so Im not sure about rates but the highest rate she ever said was 11% she didnt mention points.

I prefer to come up with something that flows naturally that you can organically expand upon in the conversation.