But its a good exercise to go through this and try to figure out how it would be more cost effective for first time home buyers.Also keep in mind when I started in RE  Seminars or weekend work shops were put on by brokers and agents teach ing these buyers how to buy their first home..

Lastly, plopping down 5% points for a marginal savings on a monthly payment might not be the most effective use of those funds, maybe being able to buy the next a bit quicker would generate a higher return for the cash.and no, I do not believe we will see rates below 5%, and the fed has never had any control over mortgage rates with the fed funds rate as that is the shortest possible rate overnight borrowing between banks.

In fact as the fiduciary your responsibility is to grow the account as quickly and effectively as you can.  

If you ever need insights on managing properties effectively, tenant placement, or maximizing your cash flow, feel free to reach out.I’d love to connect and explore ways we can collaborate or assist each other.

Leverage the upcoming meetup to find others that have done what you're looking to do as well as a lender that can give you a personalized playbook to achieve your goals in most effective manner. 

Wynd detectors are usually good for air quality, their effectiveness specifically for detecting marijuana smoke can vary, as they aren’t designed solely for this purpose.

Since repairs are essential, doing the HVAC and roof as cost-effectively as possible will boost rental value and make refinancing smoother.

What wouldn't be better than a Roth which is tax free, has no maintenance issues, and is "instantly" transferred to your heirs upon your death (any account names beneficiaries and is transferred on death).As always, it comes down to what one is comfortable investing in, or having somebody else invest / manage for you, and what can you effectively make money.

Land trusts can be an ideal choice in Florida, especially when working to shield properties and address Due on Sale (DOS) clause concerns effectively.

@Daniel Zubrik -- we just got approved for Experian, which is effectively the same as TLO.