By investing I mean, of course, that there is a balance of risk and reward and at the end of the day you need to measure one against the other and decide if it’s right for you.

Is our war machine calibrated properly?

Keep in mind that each agent has to divide that 3% (in this example) with their brokerage and will only retain the balance after their desk fee or “split” with their brokerage firm is divided.and the second question I have is can someone sell their home without a real estate agent?

Its work, and most people don't apply themselves consistently and persistently enough in the proper ways to find smoking deals on a consistent basis.

Basically a person gets organized with the proper time management.

I know about the little bird, but I've found that proper "due diligence" makes the chirping easier to listen to!

So it may rent out for $450 per month, but you will have 20-30% vacancy and you will have to remodel the entire house every time a tenant moves out (probably every 6 months or less).The beauty of lower end (not war zones) is that it balances ROI on rent numbers and tenant quality.

Points can be rolled into loan balance.

in regards to your first issue,i hope i understand your question properly.

BUT I've learned through agonizing experience that it's necessary to bypass the agent to get the offer presented properly (or at all).