It is just a job with income to the underwriter.  

Calvin  Adam is a sales rep for BP this is his job to promote BP services

We enjoy investing here for some of the previously mentioned reasons, and also because it is an area of WV that is growing rapidly due to jobs, and it's proximity to Morgantown and Pittsburgh.

My suggestion is eat the pain and try to talk to them and get it done what you need to. 

All of Huy's suggestions are good ones.

We have a safe environment on the emerald coast and a strong job market.

This will increase the return above what can be obtained on a passive investment.The flipside of having the power to control everything is that it can be alot of work (and a full-time job if a person is putting in sweat equity).

Hey @Jarred MarrowFor your agent question I would HIGHLY suggest you click on the FIND AN AGENT tab and look for some solid agents in your area and connect with them.

The amount needed depends on factors like property age, location, and personal risk tolerance, with a general guideline suggesting 3-6 months of reserves.

They have all of my loans and do a great job.