Ohio House Bill 489 also amended the RMLA to effectively require all mortgage holders to register with the Ohio Division of Financial Institutions and obtain a Certificate of Registration.

Loan Origination Fee $0.00 Y Discount Points $4,708.30 Y Appraisal Fee $765.00 Credit Report Fee $85.00 Administration Fee $985.00 Y Flood Certification Fee $15.00 Y Renovation Inspection Fee(s) $330.00 Y Renovation Orig or Draw Mgmt Fee $500.00 Y Appraisal Final Inspection Fee $0.00 PUD/HOAQuestionnaire Fee $175.00 Y Settlement Agent Fee $955.00 Y Lenders Title Insurance $499.94 Owners Title Policy (optional) $357.00 Recording Fee $180.00 State Recordation Tax $624.75 County/City Transfer Tax $892.50 State Transfer Tax - Deed $446.25 Recording Fee for Deed $0.00 Recording Release Fee $0.00 Renovation Architectural and Engineering Fees $0.00 Renovation Consultant Fee $0.00 Pest Inspection $0.00 Renovation Feasibility Study $0.00 Renovation Title Update Fee $95.00 Contingency Reserve $2,000.00 Mortgage Payments Escrowed $0.00 Renovation Permits $0.00Total Approximate Cost of Closing Fees $13,613.74

(I now recommend to my clients that they put it with the birth certificates or their passports, somewhere safe and where they will remember where it is.)The reason is that it has become known that lenders are holding their files for several months and then giving them off to collectors in bundles.

I saw a You-Tube demo of bidding on a lien sale in Florida, and instead of it being the rate that is set, seems like you basically have to accept little to no profit in order to get the certificate.

I was wondering, since this new EPA lead paint law has gone into effect, have people had luck using/finding tradespeople who have this certification for work on pre-1978 houses?

If not must county's have already sold the tax certificate after he was late after the first year.

Online communities like LinkedIn groups dedicated to commercial real estate.Consider taking courses or certification programs: Investing in commercial real estate requires a different set of skills and knowledge compared to residential real estate.Partner with experienced investors: Partnering with experienced investors can help you learn the ins and outs of commercial real estate investing while also mitigating your risks.

Or the other option is to acquire the tax certificate from the tax buyer and then attempt to obtain a tax deed yourself.

Any tips or advice to what someone, who is still taking the course to receive their license, can do to help heighten their success rate upon certification?

I've been given my COE (certificate of eligibility) for my VA loan so I won't have to put any (much) money down which will be great so I can save my money for potential rehab that may need to be done.