BUT you have to pay to join their group.Is it worth joining this group or is there another group more cost-effective in New Jersey that I can join?

It would be pretty easy and cost effective.

Without knowing the market, it is hard to say what effect that has, although it is likely a contributing factor.

I usually like to look at multiple how-to videos to make sure that what I actually am doing is the most effective way (just because it's on the net doesn't mean it's true)!

I can go into anticipated market changes (not valid so much as saying the estimated value as of this date) but it is a footnoted issue as the lender can be effected by significant changes in the market that are expected to occur.

A Cyclical market is subject to much wider swings in pricing.Example: I would bet dollars to donuts the rural markets and places like Topeka Kansas saw some effect from the national run up in home prices before the sub-prime but never the same wide swings that Florida and California saw.The big advantage of a linear market is much less downside price risk.The cyclical market on the other hand IF...IF you can time it right will yield nice capital appreciation but of course has higher down side risk.

Does the fact that I'm buying cash through an LLC and not using any funding of any kind for personal property effect this law and it's application?

I believe you must pay at least the first 3 months of the policy even if you only have it effective for 2 months.

If you have to, you'd need to look at the tax difference as a present valuation much like a financial premium and deduct the value from the comp.Most likely, you don't have the right comps.If you're asking will the difference effect the market, obviously, you need to look at market trends of the subject area and evaluate the property in that market, not to a neighboring jurisdiction. :)

Right now I'm using Vistaprint for outside as they are cheaper but keep in mind that postcards done by outside services are usually less effective than handwritten yellow letters or personal letters.