The kids paid the 'lower priced' bidder of $8k for that bathroom rehab & had already bought all the fittings, tub & tile etc.

says the borrower), half the time it's too high (which sets the borrower up to be disappointed when the accurate number is lower than what I said).

@Jon Holdman It appears on the surface that the risk is lower on a vacant piece of land, but insurance exists for the things you can't see.

I checked the property appraisal for the sell price and it was $172,700, even lower than the county appraisal value of $206,607.

- Do you lower your CoC and monthly CF as interest rates increase or do you look for a better deal? 

The building does have quest water lines that are all behind drywall except when they connect to fixtures and appliances.It would be expensive to repipe this as a lot of drywall would have to be cut and then repaired.I know it's a risk to wait for a leak to start and then to repair just that section.I'm getting an ok buy price and the seller won't go any lower.  

I have a question about the timing of the modification:Example: my borrower has 10k in arrears, and an interest rate of 12%Let's say I call him up and we agree on him paying 5k in arrears, I forgive the other 5k and I lower his rate to 10%. 

For example, weekly tips like paying your child up to X dollars per year for job site work (ie: post construction cleaning) before they will get taxed on that income, which ultimately helps you, the business owner, by reducing your taxable earnings.Thanks! 

Drexel Hill because the prices are lower but the rents are similar.

I just know i don't have the experience with lower end places.