Let me know if you have any questions, I am more than happy to be a resource.

Experienced lenders know how push deals through though.

I am a newbie in this industry and have a lot to learn, however, I know with my work ethic and determination, I can become a successful real estate investor.

HVAC, electrical, major plumbing, etc.I know for a fact there are a lot of people not following the ARS on that. $1,000 doesn't get you very far these days.

Hotel/Motel, Condo, Apartments all have had substantial rates because a lot of companies have either stopped writing the business or non-renewed it and the companies that will still write it have to take premium because of the risk they're taking on.I know that doesn't help you at all but my advice would be if you have an independent agent who you trust and like and believe they're doing the best they can for you stick with them and let them work all the markets for you.

And house-hacking is the quickest way to build wealth in real estate from scratch.At the risk of sounding like an agent angling for your business, I would offer a word of caution using your friend, unless he or she really knows the nuances of what you're looking to do. 

I know I can't do it in LA or  LA County since Industrial land is Going for $5 million an acre.

Ill let you know if I decide to do it and I will not let you down with my trash talking (the same likely won't be true of my rowing).

I thought Portugal got rid of it altogether I know my client had to spend 500k. 

If I'd know that I'd be paying it for the life of the loan I would have been better off paying the extra 5% down payment and enjoyed the lower interest rate but I don't recall ever being informed of that or reading it anywhere in my documents.