Don't have an issue with the higher standards as I spent several years in Life & Health Insurance. 

Regular home buyers?

A lot of it depends on how regularly the bank reviews its rolls and tries to get rid of underperforming properties. 

I am currently trying to nail down a place and hope to get regular monthly meetings set up by March!

The agent had told me we would be fine with regular property insurance for 2 - 3 months, but the rehab had dragged on.  

----Rand & Associateshttp://randlaw.net/----Girodat & Associateshttp://atlantarealestatelaw.com/----I haven't worked with them personally but some of my investor friends use them on a regular basis.

I can see myself being available. if it was direct access to me that'd be tough because I am a structural engineer that is regularly on conference calls.Ryan- I'd love to connect further.

Track all you do and review it regularly and see where you might cut your expenses gain your income.Always do your math analysis and try to look at your prospective properties before you make an offer or at least put a clause in the sales contract (for about 10 to15 days) without a penalty that will hurt you too much.  

typically shingles will run you $20/bundle (3 per 100 sq ft or 1 Square) for lower end, install depends much on tear off and prep or shingle over and prep, we have opted for Steel when ever reasonable to do so, it costs about 10-20% more up front, but will out last me, and does not have Ice damming problems we see with regular shingles in the north. standard shingles, you can expect about 1/2-2/3 the stated warranty actual life span, so 40 year shingles will last about 20 years, but steel, even 40 year has been known to far exceed the 40 year warranty, I can typically get a roof done in steel with a 2 layer tear off, and steel installed for around $4-6K for a 13 Sq roof thats material, labor and disposal, I just has a 11 sq one does with dimensional shingles (steel wasnt practical) for $2,700 including tear off and disposal. keep in mind, the cheap guy may not be the best value, there are a lot of hacks out there, and anyone with a pitch fork, a hammer and a nail gun calls them self a roofer. 

I currently dont owe anything to anybody, but have a horrible credit score duedue to past health Expenses.