Bottom line: you need to shop for insurance BEFORE you close, within your Due diligence timeframe, to make sure you get good coverage. 

If your subject (0.5 acres) looks more like the lower end of the lot sizes, value it against those.Only give premium value to land if the market clearly rewards it (rural, equestrian, estate-style, or where people actually shop by acreage).If all comps are bigger (0.75–1.25 acres), we mentally adjust down a bit, not a percentage, just enough to keep our ARV conservative.

With that much equity and a solid rate, I’d preserve the first mortgage and add a second: shop local banks/credit unions for an investment‑property HELOC with draw‑as‑needed and interest‑only terms, or a closed‑end home‑equity loan if you want fixed payments; avoid a full cash‑out refi that resets your great rate.

Hi David, I am happy to call and discuss more about what you are shopping for, call or message me anytime

The City Council is voting Tuesday on a $342 million Railyards development including:- New soccer stadium for Republic FC- 3,600-seat live music venue (transforming historic Central Shops)- Mixed-use entertainment district with housing, retail, commercialMajor capital is flowing into Sacramento's Railyards.

Using a broker is kind of a no-brainer for me, because of all the complexity involved, but when you see your broker shopping your deal out to the same five or six (or 10, whatever) lenders, it's really hard to know you're getting the best deal in the end.Fourth, speed.

Sometimes spending a bit more for confidence in closing is better than shopping to the last percent. 

Since my purchase included 6 vehicle lifts and all the other equipment, I advertised a ready to go auto repair shop for sale.  

We used majority of the big furniture from Rooms To Go & Ashley Furniture with some filler stuff from Amazon, local  boutique shops & local furniture shops.

If anyone has tips on great local meetups, neighborhoods to watch, or just wants to grab coffee and talk shop, I’d love to connect!