I was trying to be PC when posting above about lack of controls and refrained from naming the country of manufacture.Frank Germaine Can you remove the spotting and residue with a cleaner like Windex or even pure ammonia?

If anyone could direct me to the correct pdf/contract or library of legal docs would be extremely appreciated.StatsAppraisal $179,000Purchase $80,000Finder fee $20,000 (paid to Florida friend in the back end)*yes, $79,000 in immediate equity, as-is*Loan #1 30Dec2022 close datePurchase $80,000Closing $0.00Taxes $250 prorated Dec22 Misc $2,000 Total loan amount $82,250Term 11.5% over 12mosPayment is full at agreement payoff. 

Read books via Library Or Thrift Books.

Many libraries now allow you to borrow many ebooks or eaudiobooks for free so you can even often read/listen to books for free .As far as the hard money interest rates , those sound like they actually might be points . 3.5 -4 Points would be on the high end today but possible some lenders are charging that much .Points is an amount you are borrowing on top of the interest rate .So if you borrowed $100,000 at 3 points that would mean $3000 in addition you’d have the interest which is often over 8% per year on hard money as others have mentioned .

Education for the most part is free on BP and your local REI club and library.  

I watch PBS on my PC as a stream over the Internet.

PC Beach is a good market and coming up quickly due to higher prices to the west. 

You want to be able to view everything on your phone or pc. 

Check with your local library for lots of info.

George Peabody Library (Google this) is literally just some cobblestone steps away.