The Industry Heirarchy1- Consumer (you, the public)2- Broker, Bank, Lender3- Correspondent Lender (a broker with a line of credit)4- Wholesale Lender (can be a bank or instititional investor)5- Portfolio and Servicing Investor6- Securitizer (basically a broker who creates, buys and sells pools of loans between Wall Street and Investors)7- Wall Street (where the money comes from)Now I really don't suggest going to a "bedroom" broker (one who works from their house) although their nearly non-existent overhead sometimes translates to lower rates and junk fees.

In a house I just bought, 1 unit has a small 10x11 living room that currently has no insulation in the walls or ceiling.

One guy told me that while he and his wife were home, someone was trying to steal the stained glass window out the wall of their house!

Put one on the opposing wall...

I know up here in my neck of the woods we are required to use ice barrier on the lower half of the roof to extend past atleast 2' from an exterior wall.

She wrote on the walls with sharpie and did something to the carpet.

Retain a title company to search properties is essential; knowing you are entering into an areana that is most often attended by experienced "tax sale" buyers you need to make sure your not caught up in the "bidding" process.

Wall Street is compared to Wall Street, RE is compared to RE, Insurance is compared to insurance, CDs to CDs, makes life easier and more valid in reality.Yet, some will continue to run the batteries down in their calculator, projecting their expected wealth.

You can easily install a wall mount shower head/hose that connects to the faucet.  

Even after incurring UBIT, a real estate transaction beats most other investment vehicles, especially Wall Street dreck, annuities and bank CDs.Keep up the great work!