Mortgage guidelines like seasoning periods and how much cash you can take out are not typically governed by state laws, although Texas has some rules on cash out refinances. 

Price on kitchen and bath will vary a lot based on the type of finishes you have, however $25k will be a ballpark price especially if it's a rental unit.This is how the cost breaks down for us:$5,500 white shaker cabinets$3,200 granite$1,300 kitchen installation$3000 appliances$5,000 plumber + electrician$5,000 brand new bathroom including new flooring, tub and vanity, toilet, faucets, paint.$2,000 demo, permit fee and miscellaneous items.This is just a quick run down and like I said price will vary if you want to gut the whole place because at that point you have to add insulation etc.Hope this is helpful. 

We typically just mail to the owner's home address as there is a higher likelihood that they open that mail in a timely basis.

@Marco Padilla I'm not sure how things are in PA, in Florida the sellers (sometimes banks won't) typically pay the title companies fee so they have the right to choose who they use because they are the one paying. if I understand this correctly the first title company was in PA??.. 

And they typically need board approval to even get 20.

Most people on the Oregon Coast in populated and touristy areas typically choose to do VRBO or Aribnb to hopefully get more income but long term leases are also a good play on the coast.

What is the typical "path" I would need to take (Online course?

I get paid as the days go by example if somebody books it for a week and they start Monday I get paid that Monday and for the whole week for that customer.I typically charge on one of my cabin $100 a night so it's very profitable better than long-term renting.

What is your expense ratio typically look like? 

As far as Zillow Premier agent goes - it partially depends on the available areas and the price, but typically I would say this would not be a tool for new agents.