@Brit FosheeHello Tim Hard money loan is a no docs  (private) non-bank loan...without the tax returns and many of the qualifying criteria...but it could be on one property could be 100A portfolio loan could be from a bank or a hard money loan or a hedge fund...and this is many properties (portfolio) all wrapped in one loan ...so they are cross collateralized.Banks loan to US residents and are now required to get a 4506(t) from the IRS on loans they close...if they are Federally insured and regulated.

Hopefully the seller's preferred method is a note and d of t.

Ken T.

Silicon Valley is more than just HCOL - - it's an ecostructure and life style.

$20/mth in gas sounds cheap for an older style 75usg natural gas storage heater ... perhaps you could get away with a 60usg tank and save a little upfront money and have lower standby losses.

Start reading other peoples stories to get a feel of what you like, what works for one persons life style may not work for yours.I'm currently in a buy and hold mode while learning as much as i can about flipping.These are my steps:1) Confirm what i can afford and Make sure Financing is in order2) Find a place in a location i like, 3) Run the numbers to make sure i am meeting my cash flow, fix-up, resale, and refinancing goals. 4) Put an offer in and hopefully close in my price range5) Fix the place up and get it rented ASAP6) In 6 months, Refinance and do it again.Hope this helped!

It helps that my husband is a relatively big guy with a beard and a camo shirt and people are frequently a bit intimidated on sight.

I change our all light switches to the new 'rocker' style, and all plugs with the square style,,cost is little, looks great and helps moderize the house.

@Jesse T. 

[Also, the Super Bowl is on the first, and if we get to the Super Bowl, if we lose, I will have one heck of a week being comforted "inmy time of need" in great style.