I have bought a couple of houses in the past to flip with some but little success, but that was during the time the market dropped in 2008.

A HML loan is just crazy even if you could get one (can’t get one on an owner occupied).....the interest rate would be more than double, and a much much shorter term.You’ve got the best loan you’re going to get until rates drop significantly..Also, a 40 year term would only drop your payment by $100-$150/mo and cost a Boatload more in interest.BTW, you’re not supposed to be anywhere close to breaking even living in a duplex, 50% vacancy.

Maybe we get lucky and prices drop 10-15% back to 2017 prices it will be the second biggest price drop in Vegas history by far.

vs" you are discriminating against us and we demand you lay sod"..... drop dead....get aggressive with me right off the bat and my desire to work with you just left the building....which will be followed by you.....

Generally the land on corners is worth the most and the further you move off the corner for commercial retail the more the rents per sq ft drop and the value.

Not sure what changed, they dropped the price less than a week before I asked for more info. 

For example, my usage drops substantially in winter, but rises precipitously in spring and summer.

After the full start period, they prorate the shingles and drop the labor.Wind warranty - most 25 - year shingles only have a 60 mph wind warranty while 30 - year old have 110-130 depending on how many nails.For $400 more, it makes sense to go with 30 year shingles for curb appeal and better warranty.

NFCU has the same loan policy, but they waived it in my case.I'm currently at 100% utilization, and my credit score dropped by 20 points [my overall utilization is 10%].  

And drive across the state line and gas instantly drops $1+ per gallon.