·Any entity chartered and lawfully doing business under the authority of any law of this state,another state, or the United States as a bank, savings bank, trust company, savings and loan association, or credit union, or a subsidiary of any such entity, which subsidiary is regulated by a federal banking agency and is owned and controlled by a depository institution·A consumer reporting agency that is in substantial compliance with the "Fair Credit Reporting Act"·Any political subdivision, or any governmental or other public entity, corporation, instrumentality, oragency, in or of the United States or any state·A college or university, or controlled entity of a college or university, as those terms are defined insection 1713.05 of the Revised Code·Any entity created solely for the purpose of securitizing loans secured by an interest in real estate, provide the entity does not service the loans·A Credit Union Service Organization holding a valid Letter of Exemption issued under O.R.C. 1322.05See O.R.C. 1322.04 for additional exemptions and exclusions and more details.

What would be a fair return for the investor?

For larger MF complexes, it's usually fairly straight-forward.

Good to see you can still find fairly cheap properties in California (if you look in the right places).

I've found that the instruction manuals included with each fan is fairly straightforward - Just a thought.

Ceiling fan install cost me $50, and sink would be between $100-$150 to install depending in the condition of the pipes. i think Garbage Disposal would be around the same.I don't do them in units, its just another thing to maintain.

A "true" umbrella policy covers everything that you own, so companies want to have all of the underlying policies in order to maintain positive control over liability and policy forms. 

They called and thanked me when it was done because they appreciated that they were treated fairly and with consideration to their situation.

Howdy all.I have been looking at a duplex in a fairly small town (22k residents from 2010 census) but has a decent number of employers including a major auto manufacturer nearby. 

It's called a "recapitalization" (or abbreviated "recap") and it's fairly common.