I would certainly talk to a GOOD mortgage broker and see exactly what he needs to do to get him into a quality loan product sooner rather than later.there might be a few key steps he can take to speed up the process.

@Gary Mariencheck mentioned Postlets which is a free product I've used before with some success.

Will it further enhance density, because it will be easier/cheaper than ever to take a cab or use a car share service instead of owning a car?

While I have many interests, all varying from music production, video game development, cars, and even real estate, I just don't get excited about getting a degree for any of them and hoping to land a career, working that "9-5".While I will always have much to learn, I feel "ready" to take the leap and start gaining some momentum in regards to starting a business of my own, or at least owning some rental properties.

@Brandon Turner , maybe they are having a tougher time making ends meet since their product was legalized.

Good luck and I look forward to the finished product!

If not, what flooring product did you use?

Since I knew the backstory and saw the news about the police raiding the house used for birthing babies by pregnant Chinese Women, I don't like their (FCI's) products.

looking for a local portfolio lender in the Cincinnati OH market that can offer a 1yr ARM product with no pre payment penalty on owner occupied property.Also, looking for similar product in Atlanta GA area.Thanks for the guidance.

It makes all the difference in the look and feel of the finished product.