It's easy to teach with a TV show, where 1,000's can watch, but bringing people inside the home is a huge challenge. 

Since the 1980’s, the Bay Area has experienced rapid growth.

The cast iron sewer lines in those Tempe homes from the 50's can be a real nightmare. 

Buying something in the city is getting harder and harder because of the crazy amount of development going on in Philadelphia and its rapid growth.

Here is a scan of my closing costs. 

It is one of the most affordable beach cities in the country and the area is growing rapidly with the support of government and large investors.

That is, the more assets one has (not necessarily more complicated), the less and less an AUM based fee advisor seems to make sense....unless the AUM fee percentage drops rapidly.

The scans are excellent and it will scan to the internet (great for my business).

When I first started, I used to just scan thru the neighborhood looking for properties that were unkept or vacant.

Your points/rate tradeoffs look a little odd in your quote, in that your lender seems to buy down the rate much more rapidly than what I'd expect as you pay more points, which gives the short payback periods.