If you're a member of an association like the RPOA in Grand Rapids and they are too, you could file a complaint with the association.  

Have good marketing.Basically I have a few grand to get started right and I want to make sure I use those funds as efficiently as possible.I would like to do direct mail, craigslist ads, adwords, etc.

Grand daughter talks to me .

So if your a gambler or you can afford to lose a couple grand then dohardmoney.com is the site for you.

For starting out, I would strongly consider looking first in the triangle of streets between Culver and Merchants in 14609 (Grand, Garson, etc.). 

I have to like the home enough to want to live there with my wife, and be comfortable enough to have the grand kids over at times.

I think you and I both know morally that twenty four grand could do a hell of a lot to jump start a Real Estate career, fund marketing, and fund a Real Estate License for someone.The fact that you question J's character is just embarrassing yourself.

But in the greater insurance world products and companies and the niches they pursue are as vast as the Grand Canyon if not more so.Every company has their own way of underwriting and mitigating risk.

suggest hiring professionals in the area.. if your going to be a developer spending a few grand up front will save you thousands on the back end... 

Financing is only one negotiating point in the grand scheme of a real estate transaction.