You are acting like a consumer, not an investor.No, you probably don't have a contractual obligation nor do you like have an ethical obligation.

Can be a bit of a gray area here, so be cautious.Remember if there is a regular old Joe consumer with a legal issue confronting you as a professional Realtor....guess who will loose.Play fair and honest and should be in good shape.

So I'd like to have a relationship with the right insurance company that provides the right cover, at a reasonable value (i rate value over cost) who eventually will over time learn I'm a good customer and will turn on a dime to meet my needs.What insurances have you found you need, who is the insurer and are you happy.I'm not an insurance agent, I'm an insurance consumer but I thought getting a wide range of answers would provide a better answer - thank guys.Gerry

This will lower your payments and then you can put the extra towards your consumer debts. 

New home owner... maybe you are trying to sell them consumer items? 

Watch out for this...From what I read, many are seeing modest improvement in their markets, especially at the wholesale level.

Short platting can be a little time consuming an will require an investment.

As a newbie in REI, I'm consuming as much knowledge as possible.

Hard money is not only expensive, it can be time consuming to justify to your lender that you're a good risk.

Missouri has reasonable usury laws- http://finance.mo.gov/consumers/usury_law.php and insured banks are exempt, any way (see link).