Hedge funds handle a lot of a Bank's derivatives, which are supposed to be equally balanced as short/long bets on the same issues/indexes, leaving some room to swing in favorable directions as the pendulum merits.

How many Lemmings have 20K in available mastercard balance to buy their "product".

Relationship with local brokers in Miami, FL.Being a Bachelor in Engineering and Masters in Engineering Management I'm very detail oriented and have very strong analytical skills.What I don't bring to the table (Yet):First hand experience purchasing and managing apartment complexes.Strong balance sheet and liquidity.Lender experienceTamiel, I hope this information helps to paint a more detailed picture of what I'm about and maybe opens up doors to collaboration with you and your company. 

Development is capital intensive and if we are talking about true development not just fix and flipping SFR's which anyone can do. and takes not much capital.True development takes a boat load of capital.. it takes very good banking relationships that take years in many cases to establish.Now if you have a lot of dough  a few million in Cash you could buy your way in.other wise you have to work your way up... lenders are NOT going to lend to first timers I can tell you that... maybe some hard money guys with ridicules equity positions and are ready to take the project from you if you fail.. but banks nope you need a strong track record you need a monster balance sheet and you need liquidity in the 7 figure range usually.One way to start to get experience though is just do a simple lot split..

You have to plan your taxes around your investment goals, sometimes that means paying more taxes than you legally need to but it's a give or take balancing act, pay more taxes, get loans or don't pay as much in taxes but also don't get additional loans, I would rather pay the taxes and grow my portfolio.

Down side, if you quit or move on from this job then your balance is due.

They, collectively, seem more healthy balance sheet wise than 10 years ago.

The one caveat is that you have to pay 1% of the balance every month but its really just a technicality because you couldn't draw the money right back out the next day if you need to.

I'm driving myself crazy going back and forth on choices and could definitely use some insight from folks with more knowledge and experience.Here are the numbers:2012 Purchase Price: $106,7502016 appraisal: $265,00030 year mortgage, $94,627 @ 3.75% (PITI $785.80/month of which $84.50 is PMI that will be gone in May)Remaining mortgage balance: $78,600Rent: $1250/monthI'd be supremely grateful for any thoughts anyone could offer, and I'm looking forward to the discussion!

Offer of lease to own post renovation, for renovated (3100 sq ft) single family with basement area plus (3) building lots on corner lot; monthly payments for 7 years: Year 1: $2100 x 12 = $25,200Year 2: $2200 x 12 = $26,400Year 3: $2300 x 12 = $27,600Year 4: $2400 x 12 = $28,800Year 5: $2400 x 12 = $28.800Year 6: $2400 x 12 = $28,800Year 7: $2400 x 12 = $28,800TOTAL:                     $194,400  (7 year projected monthly payment total)After 84 payments; refinance balance due: $164,000; potential sale: $358,000Lease to own family pays the above; their plan is to save $10k per year to give an additional $70k at 84th payment to lower the refinance of the house from $164K to $94K. 3.