Yeah it is really important I always stress that to borrowers to plan ahead but the reality is that most LO's meet borrowers and clients at the last minute when no planning can be done and we pretty much have to wing it the best we can with what the borrower is prepared to and able to show at that given moment.With 2-3 months or even 1 year advance planning the borrowing process can work like a well oiled machine.

There were contaminants, oil, grease, toxic material, tanks down there.

Background is in Mechanical Engineer background where I have been working in the Oil &  Gas sector all my life.

@Alan Grobmeier through the good and the not go good we’ve continue to invest in oil wells for passive income.

We discovered at a Home Depot Behre paint training that the Behre (top of the line olive green can) semi gloss enamel goes on oderless with a foam roller and in a few days dries almost as hard as older oil base.  

But wow, some mineral oil to bring out the little highlights, and you've got a killer backsplash for about $1.25/sq ft.

This is to partly offset the increasing cost of property taxes, insurance, heating oil, maintenance costs, etc.

I do not know much about foreign currencies, but 10%+ a month sounds too good to be true, unless the risk factor is very high.I am involved in some oil and gas investments which have yielded above 20% for over 10 years, but that is annual, not monthly.

If possible I would like to hear some feedback on the properties below:Property 1: Listing price $149,0002 Commercial Units & 1 ResidentialIncome: $17,499Factored in a Vacancy/Loss Rate = 5% or $921Expenses:Taxes = 2200Insurance = 700Trash = 400Water/Sewer = 1,000Maint = 2,000 (high estimate)Total Expenses: $6300Expenses of % of Gross Income =39.20%NOI = $11,199Mortgage = $7,854Total Cash Flow = $3,345 Cash ROI =7.37%Property 2: Listing price $149,0002 Commercial Units & 1 ResidentialIncome: $17,100Factored in a Vacancy/Loss Rate = 5% or $900Expenses:Taxes = 2600Insurance = 800Trash = 400Water/Sewer = 800Maint = 2,000 (high estimate)Oil = $3,900Electric =$1,800Total Expenses: $12,300Expenses of % of Gross Income =73.33%NOI = $4800Mortgage = $7,854Total Cash flow = (3,053)Property 2 obviously does not look good on paper because of the expenses due to oil and electric.She has them listed to buy both for $289,000.

I've been a construction MGR in oil and gas for 10 years and in the business 21 years.