There are plenty of people who have been arrested and subsequently without proper legal counsel they ended up locked up....even though the entire time they were innocent.......not saying most are innocent but a fair amount have been my man.In any case, I'm not a politician so i don't know why some house hackers or Section 8 are exempt from the new law,....but I have a theory....Perhaps this is a way for politicians to "encourage" people to be more open minded about taking on tenants with a Section 8 voucher.

@Robert Rainey what I mean about branding yourself is to use envelopes, letterhead and mail stuffers that will get you to stand out from your competition and to enable your prospect to identify that it's your company when you send subsequent mailers.  

It takes a while to create the postcard (and I will be sending a different one on each follow up), but it really doesn't need to take that long, and you get quicker with each subsequent design.  

Would it be advisable to sell the points, receive closing credits, and subsequently refinance when the rates drop?

Subsequently they defaulted after two payments and lied consistently through the process.  

However I was called this week and told they want to put a hold on any subsequent loans and utilization of our line-of-credit till we file 2014 taxes.

Loan: $163K, Appraised @ $235K a year ago, and I'll put about $7K into it before it sells (carpeted to laminate stairs, fresh paint, fresh grout in baths, new front door and rear sliding doors).Will pay 5% down on my new home and use the rest to begin real estate investing.I do corporate finance, and work for a huge company that probably made the phone you're using. 

The VA funding fee or VAFF is 1.5% if you put down 5% or more and 1.25% VAFF if you put down 10% or more down payment but typically its 2.15% for first use or 3.30% for subsequent use with 0% down.VA also requires primary residence so if employment and all documentation points to TX and they dont have any relocation papers VA may not be used unless primary residency can be documented.10% down is min for conventional financing on a 2nd home. 

The PM also created a very high turnover with subsequent damages because of poor tenant screening.

@Kevin FletcherDid you have to do the AC units and glass sliding door?