Happy holidays :-)

This month's general meeting is cancelled in lieu of a holiday party on the 12th. 

Also how are you finds mg demand and should I worry about trying to rent over the holiday period.

None of the contractors in your "network" are exclusive to you.

I have given her 6 months exclusivity and I'm struggling to find a decent applicant.

Since then things have been on hold while we're going through school, but with the future prospect of earning a sizable income I've been doing what I can (i.e. exclusively research) to learn how to put that money to good use.

=)The above is true.He can refinance his primary into conventional to as high as 95% LTV with no mortgage insurance if structured correctly so it depends on appraisal values in the area or you can use one of the 4 FHA exclusions above to use a second primary home through FHA.I believe the conventional refi route is easier and a chance to potentially remove the onerous FHA monthly MI as well however its case by case on each loan scenario.Another option if there is enough equity is I can refinance the current loan into a 80/10/10 with 80% first loan, 10% second home equity line of credit, and 10% equity (if there isnt much equity) this also yields a no monthly mortgage insurance scenario since the first loan is 80% LTV or less.The down side is to use rental income on the new home purchase from your current home will require documentation of equity in the current home of around 25-30%.

since you were in it for 1/4th of the time for the full exclusion  you could be able to take as much as 1/4th of 500K in profit (if your married.  14th of 250K if not).  

Or is it better to use one account to buy properties exclusively?

One way around the EMD problem (and this applies only to properties that are NOT listed on the MLS) is to do a non-exclusive option to purchase.