It's simply calculated and charged (at 12%) for a shorter period of time (6 months).You asked that it be explained in detail, so I hope this isn't toooo detailed, but I'm going to give you the calculator punches on a simple 4-function calculator:(amount borrowed) X (interest rate) = (annual interest**)(annual interest**) divided by (12) = (monthly interest)(monthly interest) times (number of months you owe the money) = total dollars of interest paid**annual interest expressed as a dollar figure for total one year's interest at that rate*APR: I think you might just want to think in terms of the interest rate, instead of saying APR (annual percentage rate) as the APR is a combined rate that includes the interest rate being charged, and all other "finance charges" such as up front lender fees, prepaid interest, etc.The APR is required under TILA, the Truth in Lending Act, and only applies to consumer loans, so would not apply to a business loan, but your business banker might just be in the habit of using that term anyway.Dennis, are you still awake?

Assessors records typically assume normal wear and tear unless a building permit is issued for repairs or it's placed on a "unfit for habitation" list.

Open an IRA account with your earned income & create a habit of saving & investing.

Include considerations for income, employers, trends, desires, wishes, hobbies, and spending habits among others.

Those two items are of vital importance for investing out of state.

Unless they are already correct, you will spend tens of thousands making them habitable.

The deal house I'm looking at is not listed "as is", and is actually leased out right now (so im assuming it is habitable).

I am also in the habit of giving discounts or small gifts because I want to let me tenants know that I care about them, I respect them, and I want them to have a positive experience with me

I haven't seen the MHs, but most I know that are selling for $14 are at last habitable.

I actually like the fact that it says the properties are habitable.