I'm buying office, retail and special situations.But, let me also say, I have invested passively  in several multi-family syndications recently and even at these nose-bleed levels they still look much better than anything else I could invest in.

Hello,My wife recently got her Colorado real estate broker license, partially to help with our investing, and also to try and earn some extra money. 

Even tho I'm part of some of the other "higher level" masterminds I still attend the HFF coaching calls when I can.

The problem is that it is Aurora, CO- one block outside of Denver and all licensed contractors are booked out for months and charging what I consider outrageous prices per books/online estimates I've came across. 

I've been investing on some small businesses (3 of small internet cafe) that earns me some passive income but I want to take my investing lessons on a higher level. 

The discount points are higher -- here's FNMA's Loan Level Pricing Adjustment matrix -- or you can take a higher rate if you wish. 

Which is crazy given the median income levels. 

But I was relaying this to one of my employees and he said wait a minute!

This isn't legal advice, and I don't have a real-world example, but some coverage issues to pay attention to might include injuries to common law employees, injuries involving liquor, and punitive damages for gross negligence.Keep in mind that umbrella insurance policies are negotiated contracts like any other insurance policy.

I was listening to a podcast a few weeks ago and remember hearing about one of the guests talk about a book that had to do with calculus and how its a lot easier to learn upper level calculus before learning basic algebra.