![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/510512/small_1621480229-avatar-robertv1331.jpg?twic=v1/output=image&v=2)
Wondering what is the best way to pay a contractor in Texas? I know for sure you NEVER pay all up front but what are some common percentages now and days or form of payments. Also, what are these contractors charging?...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1643879/small_1621514420-avatar-jareds184.jpg?twic=v1/output=image&v=2)
After finding an HML that will lend where your prospect house is (most will only lend in major metro areas or have steeper rates if they do lend outside metro areas), I would ask these questions:
Are you a direct len...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1643879/small_1621514420-avatar-jareds184.jpg?twic=v1/output=image&v=2)
After finding an HML that will lend where your prospect house is (most will only lend in major metro areas or have steeper rates if they do lend outside metro areas), I would ask these questions:
Are you a direct len...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1643879/small_1621514420-avatar-jareds184.jpg?twic=v1/output=image&v=2)
After finding an HML that will lend where your prospect house is (most will only lend in major metro areas or have steeper rates if they do lend outside metro areas), I would ask these questions:
Are you a direct len...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1643879/small_1621514420-avatar-jareds184.jpg?twic=v1/output=image&v=2)
After finding an HML that will lend where your prospect house is (most will only lend in major metro areas or have steeper rates if they do lend outside metro areas), I would ask these questions:
Are you a direct len...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1643879/small_1621514420-avatar-jareds184.jpg?twic=v1/output=image&v=2)
After finding an HML that will lend where your prospect house is (most will only lend in major metro areas or have steeper rates if they do lend outside metro areas), I would ask these questions:
Are you a direct len...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1643879/small_1621514420-avatar-jareds184.jpg?twic=v1/output=image&v=2)
After finding an HML that will lend where your prospect house is (most will only lend in major metro areas or have steeper rates if they do lend outside metro areas), I would ask these questions:
Are you a direct len...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2397378/small_1646868544-avatar-ajw35.jpg?twic=v1/output=image&v=2)
To be fair, I'm posting this as much for investors as I am for other Realtors. Partly because in times like these (or any market really) seller concessions can be an excellent tool for improving buyer conditions, but ...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/846088/small_1621504366-avatar-simonl26.jpg?twic=v1/output=image&v=2)
Using the 4 square method and every time I do a calculation my ROI is never above 6%. Sometimes its in the Negative. My Monthly cash flow is usually below $150. For calculating expenses I'm taking a percentage from...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/8779/small_1621348649-avatar-bargerms.jpg?twic=v1/output=image&v=2)
House is 30K. Needs very little minor work to get it to renting condition. I feel I can get 525 a month for it. Should I go for it?
Expenses should be about 45%. But I budget for 50% just in case. If my calc's are co...