Notwithstanding the foregoing, neighborhood assessments shall be used only for the benefit of the neighborhood paying such assessments, shall not be used for any purpose that is covered by annual assessments or special assessments in other areas of the Property, and shall be accounted for separately from annual and special assessments."

Hey @Carlos Martinez - I'm a broker & investor in NYC. 1 - Technically getting insurance is on you, BUT it doesn't mean the agent shouldn't be helping you by giving some recommendations lol... it's an odd thing to tell your client that it's not your job anymore. 2 - In terms of paying out of pocket the commission difference, it depends on what agreement you had with your agent.

In addition to the offer terms, a savvy seller will want you to prove your have ample ability to pay both notes (your existing home and the seller's note(s)).

I went to school at Mississippi State, but I'm out of the loop on the area in terms of rental property.

I currently just bought my second property (a quadplex- 465k- that I am living in the basement so I was able to get owner occupant financing- doing one unit as a MTR and the other 3 long term.

Always leave on good terms. 

May be there is a benefit to you doing this while you also have your W2 but that's a question to ask your accountant.

I’m looking to invest in multi unit properties for long-term buy and hold and would need help financing.

Assume 8% mortgage rate and 30-year term.

There was a lot of information I didn't mention in this post since each company and individual can operate differently so if there was something I failed to mention, please feel free to leave a comment).The terms Hard Money Lender and Private Money Lender can be confusing because people sometimes use them to mean the same thing.