I'll take your word based on real world, real market experience over an Internet article any day.

I have asked my lawyer and several real estate agents, and they said just download one off the internet. 

HOA includes internet water and sewer.

It's good to know that I've been taking in credible info. 

I asked them why they never respond to my calls and emails about the section 8 people dealing drugs out of the house across the street, with dozens of people living there (every neighbor hates them) but they have time to troll the internet looking for landlords to sign up....Pathetic joke, our government...

So if she just has two kids, she's transferred $28,000 tax free and she will need to pay gift tax on $372,000.There is a way to transfer just the annual limit to each kid every year so that she transfers $28,000 in Year 1, another $28,000 in Year 2 and so on until the total value is transferred, but honestly this is really messy and (I think) might involve changing the title every year because you'd have to actually show it like this:Johnny Smith 3.5% ownership portion, Janie Smith, 3.5% ownership portion, Mama Smith 93% portionand then in Year 2, change the title to:Johnny Smith, 7% ownership portion... etc.Gets very clunky very quickly, but maybe somebody who has actually done it can chime in as to the actual mechanics.I've done the gift tax returns for this situation once about 15 years ago and I remember it being incredibly complex.  

Yes, BP has really been an incredible business resource for me as well.Good luck in your future ventures!

With more experienced investors, they probably won't take you seriously at first so use some of this language: "_____ I noticed that you have a large network of investors that you do business with and I think your an incredible teacher.

@Joshua Daniels, after an incredibly busy summer, we're starting to see a little bit of a slowdown in Helena.

Prices are about the same, but you have to assemble the internet stuff.