@Matt HoneyfordThe lawyer conversation has come up from just about everybody I've asked.

It's a little different for me as a lender, but I learned very VERY early on while driving all over the place from Timbuktu to East Oakland to Vallejo that someone who isn't motivated enough to either a) come to my office or b) upload a W2 and some paystubs and other paperwork, isn't a good use of my time - my conversion rate while I was the "mobile mortgage man" was incredibly low, and my hours worked was ridiculous.

Isn't it amazing that all the helpful experts on the western PA area in this forum, so quick to thrust themselves into conversation and claim encyclopedic knowledge of the area, have nothing to say about little Rankin?

This can easily come up in conversation. 

i mean step by step (architectural planning / permits etc...) just bought a duplex in STL in i'm looking to convert it into a single home and sell it. it's my first conversion and i'd like to minimize mistakes.. thanks!

I'll also add you as a contact and send you a private message to continue the conversation. 

I would assume that the CapEx is reserves for water heater, furnace and other items like that.

I signed up for the local newspaper and had many conversations with friends and family who lived in the area.

I don't know if there is a defined number of hours you have to work each day but let's just assume you should probably spend at least 4-6 hours per day on "business" items.

I have seen many posts regarding hard money lending for a new project.  My situation is slightly different.  I own a three family home in Massachusetts, purchased with an FHA loan with one of the owners, my son, still...