I've tried Lending Club, and yes, TreasuryDirect, these returns are way better, just hoping it stays that way, with no or few defaults (so far so good). 

They actually stayed the same. 

Yes, get prequalified, but shop and stay in touch with your bankers.

what happens in your IRA stays in your IRA".However, you can loan the money from it to someone else, keep the loan money inside the IRA, and have someone else do the same to you. 

the comps are as follows 1)carpet,tile 2)tile, wood 3)laminate 4)laminate, tile. 

Def need to stay with the numbers.  

So i would like to use the mother-in-law unit [part of the house] for my stay and rent 1700 square feet to a middle age or senior couple.  

If we're close we'll usually write an LOI quickly to lock the property up but if we're way far off I will generally ask the seller/agent (we try to negotiate direct to seller as much as possible and stay away from listed properties), if it even makes sense to write it up. 

Welcome to another fellow NY'er feel free to stay in touch and keep the network alive and good luck on your investments 

I think the carpet is literally 100 yrs old.