My only point was to help accurately analyze the potential cost of a hedge.I was considering this strategy for myself a couple of years ago right after the main part of the crisis when jumbo's were at a very high premium so I was looking at ways to hang on to my ARM until the market normalized.As it turned out rates obviously came down nicely and the ARM worked until recently refi'ing.I would say that in most instances today in the residential market, it would be cost effective to just convert to a fixed if you qualify rather than hedge.

In my area I believe it to be very accurate.

I don't have much/any experience with any of these so I'm not sure how accurate they are..

Calling the prior landlord will usually give you a more accurate picture since the tenant is no longer their problem.

If, in formulating a general rule, we say that depreciation is real and just, and that as a general rule of thumb, expenses must be related to that depreciation number as a MINIMUM, then1- This might help in actually creating a provable and accurate general expenses formulation, of course this would require actually holding property for the depreciation periods selected by the accountants and business managers.2-Now aswe add in the property taxes, insurance numbers, and their tax implications on the total true expenses, I think it will be clear that expenses are actually far greater then the 50% rule generally used.Finally, anyone who believes a realtor's assessment over that of an accountant, well, lets just say, there is no Santa, regardless of the sales person who thinks there is, and the investor needs to be aware or they will learn that the hard way.

Maybe it would save money to offer these uninsured access to a pool of options (none publicly run this is the change Tim as far as I can tell) to access preventative care.2) "Moral" argument to provide healthcare to all citizensAll human beings should have a right to health care, because its amoral to stand by and let another human being suffer etc...I think these are the two main reasons for Health Care reform.Personally, I think #1 is absolutely accurate, but reason #2 is bull in SOME cases.

We do have trust that alot of the coversations george had were accurate, unless it was tape recorded you can't be 100% certain.and there are 1000's of religions, I may have to choose which religious leader i want to get saved by.I believe in evolution but that doesn't mean there isn't another DIMENSION that we just can't comprehend

Quick analysis says that if you can buy this house for $4K, put in $30K in rehab, and sell for $80K, this is a great deal.Jon brought up a lot of good points, but even if the numbers are close, it should be a home-run for that price-point of deal.I would be absolutely certain that your $30K rehab number is accurate.

If your numbers are accurate, you should definetly get this under contract asap.

Anyone ever run into this before and have a creative way to convince the bank the appraisal is accurate?