Do you find it easy or hard to negotiate the whole deal by phone?

Like I said, I own one property so this would be my first ever cash out refinance (I realize that financing like this is not easy to get these days - but I will look into that after I make a decision to go forward or not), so was hoping I could get some more experienced insight.

Super easy; 1.

This raises some questions.Are these people easy to identify?

The easy thing is to tell my tenant to handle it all herself and leave me out of it - after all, she caused the problem in the first place.

Mitch Kronowit, you almost make it sound too easy!

Overall i think its pretty easy just to get the RE license.

Plus, a major point being it is not an efficient system for keeping others out, making it very easy for other neighborhood's kids, owners' friends, etc., to use our pool all summer without signing appropriate waivers and paying the guest fees involved to help alleviate the cost of maintenance and lifeguard fees just by handing a photo of yourself to the lifeguard early in the season.

Big debate I know, but easy enough for me to avoid.This link if it works should give you access to the entire packet.

One easy thing to do would be to request credit limit increases with your current card issuers, since that can lower your overall credit card utilization ratio (which is rated high in factoring your score) without opening new accounts.Here's some other tips from My Fico: http://www.myfico.com/crediteducation/improveyourscore.aspxOne last idea for you.