All said and done it is not a time consuming process.

Interest rates fall with consumer perceptions, falling prices, consider refinancing with indications in bond prices as housing prices will generally lag, consider before continued market prices effect the loan to value.

It can be time consuming, but with some counties it seems to be the only way to get to the bottom of things. 

I am just accustomed to remodeling cost to consumer for per sq foot pricing...

The availability of convenient, affordable, public transportation is obviously the key to most markets attracting the consumer to our real estate products.

meaning, if you can still make money for your end buyer and preserve or enhance the relationship, then don't limit your fee based on some arbitrary number.  

Most people want to build responsibly, but don't want to put forth the additional $ if the green enhancement won't pay for itself.  

Well I received an official complaint from Consumer protection division of the state Attorney Office, all lies.

This is no time to invest, but stick with BP to improve your prospects as an agent and to learn for future investing opportunities after you get out of consumer debt.Also, Dave Ramsey has great advise for a person in your situation, as mentioned above.

There is so much more to investing that reading a book or attending a seminar...it's work, it's time consuming, it's emotional.