The mortgage professor also shows conforming wholesale rates just north of 4%:Conforming Wholesale RatesDoes that count?

I plan on keeping this for quite some time - fully rented and I leaning toward taking what I know and can count on right now (new loan) versus subject to and not knowing exactly what could happen in next 3 years.

I wouldn't count on it though!

That would seriously stink if you had to count the rebate as income on following years taxes.

Commonly in my area the agent split is 20/25% to the broker.As pointed out, you'll have other expenses, Realtor dues, continuing education and your own business expenses...cards, flyers, adertising expenses, gas, auto, and office expenses, copiers, coffee fund and little things that they can dream up...etc.Many net about 65 to 70% of the commission, lucky to hit 50% with all expenses, not counting advertsing, which is a variable cost with a listing.

I mean she has a recent divorce so I guess that could count for hardship.

That's not to say that his new course can't be a good revision in response to negative feedback from the older material, but I wouldn't be counting on that.

What about my liquid assets, don't they count for something?

So it would be safe to assume it would be spent on Plasma TVs, Ipods, cars, clothing, shoes, food, entertainment, ect...Now that is stimulus we could count on!!!!!

Do investment properties, count?