In 6 months or if you can find a lender that will do a product with less seasoning, refinance your cash out.

. * the added trade references will add credit profile depth, as will uploading your financials* your deposit activity and use of bank products (business credit cards) shows ability to repay* bank rating is formed after 90 days of deposit activity 

You can refinance after just 6 moths.FHA also has a commercial product for 5+ units, but its much harder to qualify for due to a lot of different criteria. 

This is mainly because Mark works for a flooring company, so we get all of our flooring product at cost +10%.  

This book is called Rich Dad, Poor Dad by Robert Kiyosaki.

Since filing the claim the process has become drawn out, with several delayed court dates and poor communication from my lawyer to me, despite my best efforts. 

So here is how I would set this up: Kitchen: Appliances - $6,000 Cabinets - $10,000Countertop - $70-110/sqftSink - $1,500Faucet - $500Cab pulls - $500 (or $6-10/pull) Install - $2,000Flooring: Floor product (unfinished): (expect to pay 4 - 10 dollars per board foot for anything quality) Floor finishing (sanding, coating etc) roughly $3/Sq ft (as long as you are using a standard coating (polyurethane) if you want to go higher end with an oil or stain expect this to jump to 4-5/sq ft Bathrooms:Demo: $/hour x expected hours Underlayment: Schulter Shower System (approx: 500/shower enclosure) Tile/grout/thinset: 6-10 sq/ftInstall: $3-6 sq/ft Lighting and Electric: (pricing includes installation)   Switches: approx $30/switch  (this assumes a mid range Leviton 3-way dimmer) Outlets: $10 (TR Leviton duplex, GFI where needed and duplex/USB combo in Kitchen Island and a few choice locations) Lighting:Surface mount approx $150/fixtureCan: approx. $250/fixture (assuming old work install by electrician)A little more on why I do it this way: Kitchen: You can figure out exactly how much your kitchen is going to cost before you start.

So after about 2 weeks of BP, a thought enters my head, instead of just complaining about poorly kept and vacant buildings that are preventing a street or block from being its best, why not put my money (or other people's money) where my mouth is?

good point in the other direction @ewa just always felt like the deals would be too far and few in between. maybe looking for poor management can be my way in to the LA market off MLS ?

I go through an independent insurance broker who reps several companies and he feels Safeco has a great product.