It is meant to be a safety net, in case you accidentally close a tab or something fails. 

I was looking at your spreadsheet & since I am still new (starting) in Real Estate, I did not understand what F, D, F/D meant... what was it? 

Sign here gives the "if I don;t they could walk away" feeling.

This makes it sound as if all cute servers give bad service.Most importantly, my comment was meant in jest, not to be taken so literally.

@John T. - that kind of information is priceless.

I meant the 900k I paid was 100% mortgaged.

So I fully understand the importance of knowing the right pieces of the puzzle to put together.I reread what I wrote and realize that it may not have been written well.I guess what I meant to say is I'd rather find the primary source that would be happy with reasonable rates and fees, then the secondary lender who wouldn't be happy e anything less then the numbers I had stated above.I hope my original statement didn't offend any brokers as I know they do provide a very legitimate service

Have you tried one with a taller "T" used for a chimney along with the two "P",s for windows to the right?

We have some areas in MA that are in permanent funk and you can't count on appreciation, so if that what he meant, that is true.

Thanks David T.!