This is a new member re-intoduction,and a long one at that. 

I have been doing some research on whether I should consider myself a lender and therefore have purchasers sign a closing disclosure and a loan estimate form in accordance with TILA-RESPA regulations. 

Look through the marketplace here and you will see many. 100% agreeIn upstate NY it does NOT have to be a bad area to find what you are looking for Was just at an auction and a former bank 3 stories in perfect condition sold for 35kIt really is a gold mine but I only am there in the summer and have even better things going on in FL for my money But if that is what you are looking for take a couple days and drive between Buffalo, Syracuse and Rochester.  

It's easy to raise the rates on large users that have no options and a small voice rather than raise rates for a large voting base. 

I am now a stay-at-home-mom with a 2.5 year old girl and a 1.5 year old boy.

It has a college-like feel to it with restaurants and a nightlife- I would check out Peddler's Daughter, Martha's Exchange, or even The Garden on a Saturday night.

We don't have a crystal ball to know that a tenant with no prior evictions and a solid job history would suddenly be laid-off and turn to alcohol and stop paying their rent.

None of my properties flooded, but schools are closed and a lot of employers are keeping their employees home all week.

And a budget.

This guy does not have just a ton of experience, but has done some wholesaling and a few flips.