The more expensive, thicker medium filters actually restrict air flow and strain the air handler.

@James Syed these seem like typical deals for commercial lenders altho 80% ltv seems generous.It all depends on what you need to accomplish from your financing, cash flow or debt pay down.For ex. 225k loan amount 5% 30 amort=1207.45 P & I Same LA 4.5% 20 am=1423.46All things being equal and it cash flows then 20 am best choice especially if lender reviews DCR/LTV and overall performance of loan, because you need to protect yourself from the annual covenants and restrictions  that could cause lender to call loan due.Good job taking action!

I worked with this same agent on three previous deals and probably will work with him again on future deals.I don’t necessarily have a direct marketing campaign, but I’m starting to find some non-MLS opportunities via targeting specific owners and networking.

Hello,So I just started my first direct mail marketing campaign and received my first call.

Hello,So I just started my first direct mail marketing campaign and received my first call.

Now because of BP, I've learned that my current home can produce great cash flow every month so I'd like to keep it and rent it out but I knew there were owner occupany restrictions with a USDA loan.  

When spending money on a marketing campaign it makes sense to find out how effective the campaign is so you can make decisions based on results and facts.

Secondly, the laws and restrictions on subdividing property will be as per local laws and procedures.  

. :-)Additional Note: I just started my first Direct Mail campaign.

In general the four  restrictions and factors determining what loan terms will be is lowest amount based on the following:1.