New York is an expensive state here are the real costs:Escrow $500;  title $451; tax transfer $1025; notary $175; recording $80Lenders charge an underwriting or processing fee about $1400appraisal $450-500 no appraisal waiver is ever granted on a cash out loan, your loan officer is off. 

@Arsen Atanasovski, do you remember which loan officer you spoke to?

That would be a questions for these loan officers you've been talking to.

Time for a call/trip to City of Joplin Office of Planning and Zoning to find out the ins and outs of your property.

Also if looking to STR- check the zoning, they are policing that hard and only designated areas are permitted for STR.

Hey Raymond,Check out Mojo Dialer, most everyone in my office uses them.

My plan was to first figure out how many homes sold in that area the previous month just to get a feel for how much potential business was out there and then go to every real estate office in town and talk with every agent I could.

I tried to go to Foothill Community College and I was even in their Fire Department as a volunteer to help pay for it when a Councelor called me into her office to ask me what I wanted to go to College for?

General expenses like my liability umbrella policy, office supplies, etc. fall under that "general business" class.

And the hotel in Beaverton next to my Dentist office has just been converted to homeless..