A) 5/1 ARM – 20-year Term; Up to 30-year AmortizationInterest Rate Options:1) L5 Resi Owner-Occupied 5/1 ARM No Point Rate + 1.00% + 1 point2) L5 Resi Owner-Occupied 5/1 ARM No Point Rate + 1.50% + 0 pointPresently: L5 Resi Owner-Occupied 5/1 ARM No Point Product is set at 2.50% therefore, the CML Non-Owner Occupied 5/1 ARM rate would be1) 2.50% +1.00% = 3.50% +1 point2) 2.50% +1.50% = 4.00% + 0 pointTerm: Max: 20 yearsAmortization: Up to 30 yearsFloor: The initial rate on the transaction will be established as the Floor rate for the life of the loan.Repricing: At the end of the initial 5-year period, the interest rate would reset to the then 1-year T-Bill Rate (Index) plus 325 basis points (margin)No prepayment penalties requiredInterest Rate Repricing Caps: 2% +/- at each change date; 5% +/- over life of the loanClosing fees: Utilize mortgage calculator fee scheduleStandard commercial real estate loan underwriting guidelines are required (i.e.

I would say that $1000 for a weekend course is way too much... then again maybe for someone super recommended by other real life active real estate investors and on a specific subject I want to dwell I would spend that or more.

Life interrupted and blessed me and my wife with beautiful twin girls.

Have you ever done something in your life that you later regretted and were forgiven?

I would not give away half my life savings in the divorce.

Buy properties in life that make good rental property investment sense and first live in them as a personal residence. 

Life for a young investor couldn't get any better.

I have lived here(Madison County) my entire life. 

I am so interested to learn and start a new business to at leat move up in life.

I currently have four 30 yr loans, but I would like to have any other properties I purchase be paid off earlier so that I can have more cash flow later in life, when I am less likely to want to continue working.