I have two on staff 16 hours a day, 7 days a week. 

They're tech, worldwide, so he thinks it doesn't matter if they go back.   

His vision was not just to give incredible amounts of money to charity, but to raise the standard of education worldwide and in doing so enable so many to do things for themselves.

And to play like all those will never come back, why, because those employers magically never needed that much staff?

As of 18Apr2020 there are 2,240,291 worldwide cases and 153,822 worldwide deaths. 

The key is to 1) run the numbers (the numbers never lie...) and 2) have multiple 'outs'.I found a rental property excel tool that has helped me out a lot at http://www.globaliconnect.com/excel_models.php (I am not associated with this site, I just did a google search a couple of months ago and found it) A lot of students (and potentially college staff) don't want to live in dorms, so I don't look at them as 'direct' competition.

So, she knows "lots" of people and the wait staff continue to keep feeding her leads every week... 

If you plan to refinance into 30 year residential loans, you will be speaking with a mortgage officer (or a branch staff member)...same as you have done in the past with either a mortgage officer at a bank or with a residential mortgage broker.  

We are one of the largest PMs here in Cleveland when it comes to staff size, # of doors, and years in business.

Title Insurance is Regulated in NJ (Means all Title Costs are the same, unless they charge a junk fee) - Title Companies have an attorney on staff usually but an attorney is not required for the closing.Depending on Bank and or Broker there is a potential Charge for the Loan.Escrows should be your only other costs.Let me know if you have any questions.Regards,Joe Scorese