Am I re-inventing the wheel here, or is there really no cost-effective system to do this in these smaller properties?

Just wanted to share something that turned out to be very effective.

Is it worth all that.OLD stairs were pretty much a ladder effect,5 inch tread on 8 inch rise. 

Lenders use over 10 different version of fico so the pull at BOA could be different than Wells Fargo.Also ask yourself does it effect you mentally to walk around with 500 fico ( won't really drop that much) but to me I don't care what my score is.

I find their technology platform excellent, unusual and cost effective pricing, and great responsiveness.

With commercial you're probably looking at 5 year fixed, 30 amortization, then adjustable rate after 5 years.5-20 is sort of a no man's land as a resident manager is not cost effective. 

It is suppose to go into effect November 15, 2015.

Personally, I prefer to handle the entire tenant placement process myself for the following reasons:-nobody will care more than me-I have processes in place for all aspects of tenant placement (so I don't need to spend any time learning how to do it)-I like to meet all the prospective tenants in person (meeting in person vs. on paper or over the phone can be very important and effect your decision)Again, that is just my preference.  

Then, you could effectively get a discount on the real estate and pay no interest (to yourself). 

Effective Date: 10-06-1980 5313.02 Required provisions of land installment contracts.