I am methodical in my practices.

A lot of us had to spend a lot of time learning what we know and practicing our craft.

BUt for most people it is not practical especially if they are residential houses (not buildings).

When too many people go into foreclosure because of the lax lending practices the banks are pushing down every ones throat, well the tax payer will have to bail them out or the country suffer.The joke is the only reason a house is worth what it is today is because there is a bank to lend the money and an idiot to take the bait.There is so much free land in America it's not funny.

However projects got rare, so i decided to simultaneously venture into real estate (selling), which is just recently, not only in Davao City but even in nearby areas (like Samal Island or General Santos City - known as tuna capital in Philippine south).

@Heather W.Thanks Heather..that gives me a ballpark figure..also based on what I read, it seems like a good practice to seal gaps if any in the attic first before doing the fiber glass blowing.

Is that a common practice?

I am trying to find a prep course that have practice questions which are VERY similar to the real state exam.

If you have the option of a new relationship with a smaller community bank or credit union you might find them more open.But, on a more practical note, you need to decide if new debt is a burden you want to carry.

I started out working for Deloitte in their Real Estate Practice group at the World Financial Center.