If a private or hard money lender charges points, a legitimate one won't worry about waiting a week or two for points to be paid at closing. 

Kay Keovongphet Where is the venue for the Renton meetup?

As for the late fee or default notice, if she legitimately sent it and you have proof, cut her some slack.

It's appalling to me that squatters and trespassers get the same rights as legitimate tenants. 

A simple online search should allow you to find multiple different venues.

How do i know if the change orders he is sending me are legitimate ?

Water heater is a 2-3 hour job for a legitimate plumber.

If you look sound and feel like a legitimate business you will take away all your competitors clients.

Hi Sara,Wow you have a lot going on.I wish I could provide some legitimate guidance for you on the decisions you have to make regarding zoning and property use but that's not my area of knowledge. 

Here is Scranton, the City cannot take the use away if it has already been converted into a multi-family unless it has been condemned.But even if you go in front of the zoning board, if duplexes are common in the neighborhood, than you should have no issue getting it legitimately.