I'll PM you some of my resources for this area.Good Luck on the night life in Cleveland...

The only safeguards that I can think of are interest rates fixed for the life of the loan, which if anyone can find these then please let me know where,Or, having a significant amount of equity in the property, which will allow for refinancing and keeping payment low.  

Most people also have some sort of social life, which distracts additional time from working.

You are taking a great initial step to educating yourself about real estate and working toward implementing what could be a life-long income strategy.

Occasionally, thank your customers to be a part of your life or send them catalog to show your latest collection.

I think changing out the heat pump would be deducted over what is considered its useful life--10 to 15 years I believe.

While we can technically get away with the thinking of having less restrictions, requiring more security, making demands such as life insurance being pledged on a key person as a borrower, drill down to the assumptions in commercial that allow greater leeway.A more sophisticated borrower, conducting business with a purpose to make a profit as compared to an unsophisticated borrower attempting to secure personal needs, such as housing.However, never think that "predatory dealing" or "predatory lending" or violations of fair trade, or what is customary for the size and scope of a transaction can be swept under the rug.  

I've gone by the nickname 'Pongo' for many years now in both my professional and personal life.

Hey everyone,I'm a recent college grad and I am in the very beginning stages of planning my life in REI.  

New loans, and those after June 3, 2013, with less than 90% LTV have MIP for the life of the loan; less than 90% LTV, MIP is for 11 years minimum.