I do have a CPA buddy that I've asked questions of a few times and I send him a gift card or something for his time anytime I use it.  

All contracts, options, or other devices not based upon a substantial consideration, or that are otherwise employed to permit an unlicensed person to sell, lease, or let real estate, the beneficial title to which has not, in good faith, passed to such party for a substantial consideration, are hereby declared void and ineffective in all cases, suits, or proceedings had or taken under this chapter; however, this section shall not apply to irrevocable gifts, to unconditional contracts to purchase, or to options based upon a substantial consideration actually paid and not subject to any agreements to return or right of return reserved.History.

You can get porcelain tile that is strong, durable and attractive but you need to shop around to avoid the ugly stuff.  

1) Manage Your Vacation Rental with a Booking AgencyUsing an agency is not for everyone, but I recommend a front-end booking/advertising company like Evolve Vacation Rental for my one-stop shop with regards to booking, payments and calendar tracking.

I think prior to shopping for locks making a list of wants that you need the locks to do like remote access, changeable codes, lock logs, staff access, etc. and go from there.

Hey George it depends on what kind of LO (loan officer) , in a retail big bank like Chase, in a refi assembly line plant like Loan Depot/Cash Call/Amerisave, a LO with a indepdent mortgage broker, a mortgage broker one man shop, or a LO with a mortgage company.It can vary from flat rate of $500 per loan up to 2.75% of the loan amount and everything in between.

Some common types of unearned income are:[7]-Annuities, pensions from any government or private source, workers' compensation, unemployment insurance benefits, black lung benefits and Social Security benefits;-Prizes, lottery winnings, settlements and awards, including court-ordered awards;-Proceeds of life insurance policies;-Gifts and contributions;-Support and alimony payments;-Inheritances in cash or property;-Rental income;-Dividends and interest

But they may also be able to reduce management costs by shopping around and/ or negotiating with property managers because they have so many properties.

They are more desirable when they are within walking distance to shopping, the better the grocery store the better.

It pays to shop around.