I noticed you live in Gainesville, my husband's family lives there so we drive up to visit every few months... 

One thing I've noticed about getting older is there is no such thing as the "Golden Years."

In my view the originator should be the one who gets the FANNIE 1003 loan app from the borrower, all doc and does the underwriting of the borrower to YOUR lending standards:  DTI, reserves.  

Require at least annual proof that the policy is still in full force and effect and require the insurance company to provide notice to you at any time the insurance premium is unpaid.Indemnity and Insurance; Escrow Accounts.

Not really sure if folks continue to move south but we have a deficit of 45K+ apartments in the Boston area and investors have taken notice of that.

I've noticed that, in reality, while demo expenses are a big part of it, oftentimes people severely underestimate the other costs involved, like getting everything drafted/designed properly and getting every part of the construction permitted by the City.My overall point was that demo costs are more predictable and foreseeable, whereas people that consider demo and rebuilds oftentimes underestimate the other costs involved, which tend to add up to so much upfront cost that demo/rebuild projects end up being a not-so-great investment decision after you crunch all those numbers.  

People respect the hustle and will notice that if you stick to the grind for a few months.

I always look for these on a notice board when I first visit a property.

You may or may not noticed that those people rarely say anything negative about their product.  

I keep getting notice for a program called IRRL.I just bought the house a few months ago.