I got my first answer to my ad seeking houses on craigslist.

It's a pretty obvious answer, but I would check with your title company.

Probably an easy answer to an easy question, but - When I begin to call banks and inquire about their lending capability, would I begin my conversation by asking something along the lines of: "I'm an investor and am looking for an LTV based mortgage?"

I love your answers (especially about balancing a social life.....but yes, you do have to have fun when you are young.)I would learn everything I can about subject-to and lease options and you will quickly realize you don't need as much money as you thought.

After several calls, I have found that the "smaller bank experience" was much more personable in answering my questions regarding loan programs, etc.

If they say they need info, offer to meet with them once and answer all their questions.

Again, there is no one answer.

Ray's answer is accurate, but I think you're asking how to figure this out.

Ok, here is a question I know that many of you would love to answer.

We (me, my brother and mother) jointly own an apartment in NYC and want to rent it out. I have been living in this apartment for the past 14 years and paying all common charges/taxes and claiming on my tax return. T...