I am no credit professional, but in my opinion i would not close any accounts you have open.

I went full time in 2005 and have been very successful in my opinion.

Sounds like you are doing it the right way... education first.

We are borrowing 250k over 3 monthsWe just received their estimated settlement statement which seems to carry a significant amount of junk fees:Amount requested                                   250,000.00type                                                             2nd trust deedterms:                                                         no pre payment penalties after 3 monthsrate                                                             10%Points 1,75                                                4,375.00lender Underwriting                                795.00lender Admin                                            700.00lawyer fee                                                   1,000.00Escrow Fees                                                450.00title co Property Inspection Fee              75.00Notary Fee                                                  175.00Electronic Recording Fees to title co       20.00Lender Refinance Policy to Title co         1,032.00Endorsement - estimate to Title co         125.00Recording Fees to Title co                         75.00Deed of Trust Recording to title co         150.00total junk fees                                             $4597It is the first time we use a hard money lender, but to me 50% of these fees are avoidable and should be negociatedCould you guys give me your opinion about these terms and what are the fees you'd pay and wouldn't?

Education + action + positivity 

Getting out of a bad partnership can oftentimes be more challenging than getting out of a bad marriage.Good luck in your future investing & education!  

Papersource is great for 'all things cash flow' investing and is very educational. 

In my opinion Quickbooks is worth the $30 per month. 

Sorry, I have never taken the time to educate myself on month-to-month as those are leases I do not care much for, clearly I will have to learn so I can do it right.Going to jump into looking at this and will appreciate any further input on the most recent questions asked here, thanks

And having served as attorney for two auction companies I gave you my opinion based upon that experience.Many times I got the call you made and I simply pointed the disgruntled buyer to the clause in the contract that says "AS-IS, WHERE-IS" and poof... the matter was over.