Welcome Gary, I remember that webinar and realized I was in the 80%, I am dusting off the webs on my plans and putting plan to action.

No personal pictures on my business cards, web sites or anywhere else.  

The standard forms (promissory note and deed of trust) are on the real estate commission web site.  

I could be wrong on this, but with almost all phones having web access these days, even if they don't have a computer at home, they may have access on their phone, or have access to a computer at work or at the library.

I currently work in digital media with a background in branding, marketing, web development, print, and broadcast. 

@Jonathan Twombly - Can you dig up the name / web site for NPS (I googled and could not find anything).

Programmable locks, ones that can be done over the webs is a must have for remote management / check-in. 3.

I find good reviews over the web but I don't see to find any on BP. 

If it's just the price point then I would say no...My advice is that you look at the fundamentals of London.

There are "The Big 6" you need to keep as fundamentals in your spreadsheet to evaluate every deal.MortgageTaxesInsuranceVacancyMaintenanceManagementYou are correct when you say that after you refi, your "returns" will be less.