You can get a really good feel on they type of person someone is by a quick conversation. 

Since they didn’t tell you immediately (red flag) My advice would be to call them on the phone first and then to relay that information back from your conversation via email for written documentation.

It is good to start the conversation as early as possible though.

And that's an impressive conversion rate (8 1/2%); imagine what your take would be on a sub-5% conversion rate!

I would simply have the conversation with your roommate that her GF is essentially another tenant, and that if GF is going to hang out when tenant isn't there all the time, she needs to be on the lease.

Again, this is a conversation to have with your accountant to ensure the benefits would outweigh the costs.Another misconception is that there is little value in a cost seg study for properties that do not have a lot of personal property in them or very little interior build out, such as industrial warehouses.

I am located in Albany and have done a duplex conversion as well

How'd the conversation go on Monday?

:) How to Start Investing In Real Estate at a Young AgeAlso, be sure to set up some Keyword Alerts for some of the topics you are knowledgeable about, or other topics that interest you (like wholesale, New York, Rehab, etc ) so you'll be notified that those words were mentioned in the forums and can jump into those conversations!

Here is the conversation via text that verifies the lender was going to cover his origination fee.