I like Marco and have spoken and had drinks with him over the years quite a few times.Decent bloke and pretty straight shooter.The mastermind stuff is legit as someone that I have looked up to and would consider a friend and mentor even tho we haven't connected in a while is Eddie Wilson (Aspire, Think Realty, Power Room, etc...)Cream of the crop business man, entrepreneur and philanthropist.Marco is affiliated with them so that side of the investment IMO would be safe to say the least.Never was a fan of OPM or venture capital.Raised $500,000 once for a very high risk tech project and got F#$@%ed by my CTO.Was skimming investors capital from the top that should have went to the developers...I shut it down as soon as I found out and paid back my investors (Even tho I heavily stressed that they would probably loose).Now I have someone throwing at me an unsecured LOC of between $250,000 - $500,000 at 12% interest.Can turn it around quite low risk and double doing deals over 12 months but I'm still hesitant lol.Just in case something goes wrong, I'd rather loose my own capital that somebody else's.Call me crazy but it is what it is lol just secure it unilaterally to your projects if being unsecured bothers you. 

If you are looking to avoid cap gains on one, ok, but paying you a little more to become the bank is not whipped cream on a sundae to me, it's like one old walnut.

But I do believe the houses hold their appraisals better there.Horseheads is the cream of the crop in Chemung county. 

The city is known for its vibrant downtown area, which boasts a variety of restaurants, bars, breweries, coffee shops, ice cream parlors, and more—all within a lively, welcoming atmosphere.

I want ice cream!"

Yeah, people can up vote dumb stuff too but it's less likely overall and the cream tends to rise anyway.

I've worked for a few direct lenders and theres a reason the cream of the crop become brokers; half of W2 employee LO's have no idea what they are doing...If I'm buying a property, I want a good quarterback directing me through the process, not a third string who is lucky to see the light of day.

do you have any pictures I am curious to see that color combo, I've always leaned towards ultra white trim for a crisp clean edge.I ended up going with Trail Oak color for the flooring, medium color with darker tones to complement the cream walls, hoping it gives a nice contrast, and yet helping hide dirt.

The low sun nearly blinding them, they bounced between burrito joints and ice cream parlors, gated apartment complexes and big suburban homes.

That's the tough part...we really like them and want them to stay, but we got creamed on taxes this year, so we do need to charge more to make it balance.