Any thoughts on the effects of this program in the Indy market?  

Lenders wouldn't last too long in this industry if word got out that they held up transactions and got in the way of deals coming together.Hope this helps!

Surface mold can often be effectively cleaned off non-porous surfaces.

If the FED does what is says and slowly moves rates, this will have little to no effect on the mortgage industry, at least for the near term.  

I would like to provide insight on how to effectively birddog when getting started and facing similiar challenges.Here's an example of some of the topics:What is birddoggingWhy choose birddoggingHow can birddogging help me get started as an investorWhat do you need to start birddogging (Contracts, Closings, Negotiations)What are the steps you need to take in order to get started and be successfulMarketing TechniquesNetworking Techniques (How to find a Mentor)Goal SettingPlease let me know if there is a topic a Newbie have to know that I may have overlooked.

Be careful to ask for Disclosure of ALL fees associated with the transaction!

As I was signing documents, I asked for clarification, and my realtor said something to the effect that they had gotten around this via my downpayment deposits held by my realtor. 

There will be many folks who can benefit from your experience, as well as those who are above you and can guide you in your future transactions. 

He talks about how important it is for entrepreneurs to have the feedback from profit and loss to effectively and efficiently allocate their efforts and resources. 

Other strategies such as sub 2 transactions, installment sale transactions, leases and lease option to buy arrangements can be devised with TIC.Comparing a sandwich lease or master lease, a TIC owner you do not have to worry about the seller selling first before you sell; you can pass title as an owner and executed sales contract through and screw with your tears a partner or you can have a "power to sell"On biggerpockets we have talked about the problems with wholesaling, not being on legal title before we market the property.