How much you give investors loaning you money is totally negotiable.

., including floods, earthquakes, and severe storms.USDA Wildfire Risk to Communities – Offers detailed insights into wildfire risks for homes in specific regions, particularly useful for properties near forests or dry areas.Risk Factor – Analyzes flood, fire, and other climate-related threats for individual properties, giving you a risk score.Climate Check – Delivers property-specific climate risk ratings, covering heat, drought, fire, and floods.Do you consider environmental factors like flood and heat when investing?

While I’m not an experienced investor myself, I can share my perspective as a real estate accountant, which might help you weigh your options.1.

You need a "Manual J" calculation for system sizing.

We recently signed up for smrtphone.Currently we're calling our market and we get calls back, but the issue we're having is smrtphone isn't giving them any information as to who the lead is or which campaign it's from. smrtphone has instructed us we have to search through the different campaigns to see who the person is.

My question is once I have a deal signed for an apartment with seller carrying back down payment I need a partner/guarantor which would help qualify for bank loan with their income and cover closing costs. 

Quote from @Karl Kauper: TransUnion Smart Move.If you are running background checks, you might as well fire that PM and find a new one.

What concerns me most is that statement: "I have yet to have a conversation with a seller"Here's the truth: It'll probably take talking to 50-100 prospective sellers before you even have a shot at getting a deal.You don't get to change that.You do get to decide how long you'll take to get those conversations completed.Reach just 1-2 sellers per week and it'll take you a year or two before you get a deal.Reach 10 sellers per weekday, and you'll likely get a deal within a month!

start with a house hack if you can.

Thank you kindly!