Do you come up with a combined deposit and application fee to cover both the HOA and my app/deposit or separate everything out?

And now with a plethora of apps for real estate, the iPad is a must have for just about any realtor.

Each person 18 or older should fill out an app and pay an application fee.

But you only need an app fee, not an "early deposit".Once in a GREAT while you will do the screening and tell someone yes and have them tell you no.

Low end units are MUCH tougher though, and it generally takes longer to process their apps.

That might be outrageous in your area, but cheap in New York City.Generally, if you are charging market rate and the tenant wants the place, they will pay the app fee without hesitation.As for which services are best.

As you noted there is little difference in the loan balance during the 1st 5 years if you have IO vs. a 30 year amortized loan.

Paradise--The highs: http://www.honoluluadvertiser.com/apps/pbcs.dll/article?

I'd also like to use my own appraiser or at least be able to appraise when I see fit - not once the lender already has received my app fee.

I can shed some light on the fractional ownership funding my company offers:- FULL DOC and SIVA application allowed- 3/5/7/10 YR Fully Amortized ARMs and 3/5 I/O Arms available- 80 LTV for PURCHASE & R/T for FULL DOC-75 LTV for SIVA (70 LTV for Cash Out)- Conforming and Jumbo loan amounts allowedRegards,Scott Miller