You can try calling the IRS at the special toll-free number: 1-866-455-7438, however their phone lines are usually busy.

They usually have a step down on that penalty like 3% year one, 2% year two, 1% year three and so on and so forth.So if you are buying a deal with the intention of rapidly increasing it's value in less than 24 months in order to refinance it and pull your cash out, you might want to go with a credit union for the acquisition financing because FCUs are barred from charging pre payment penalties.I could talk about this for hours about all the nuances but my fingers don't type that fast lol

As per chatGPT, closing costs in Ohio are usually 2% - 5% of the price, so maximum: $6950.I'm open to working with lenders of any kind to make this happen. 

I like umbrella because there is no worry of being pierced for inadequate separation of finances, if sued you have a heavy weight in your corner who has all the consequences of a defeat, and because usually it is reasonably priced (mine today is not so reasonably priced but I believe it is mostly related to the risks of CA).I do understand that the probability of needing the umbrella policy is low.  

About 30 Thirty of those 10,000 verify are successful at all, usually with twice my formal education level and years experience trading.

(Compared to the usual 30-40 year path.) do they think people with a million or millions in stock just got there?

I have financed a number of STR properties and they will usually be appraised as a pure real estate as vacant value and a cash flow adjusted commercial value, sometime separated as going concern and real property.  

Condo's are usually on the cheaper end of cost for appraisal reports, typically not $750 (but if it's a high end condo or in an area with there's some complexity, the fee can reflect that). 

However, that same market segment usually isn't interested in larger houses, such as a 5 bedroom. 

Usually, there isn’t an actual lawyer, or it’s a family member who doesn’t want to get involved.