More so than many other cities I believe.Roll forward to late 2017 up till today. 

Not having an NMLS or real estate broker license doesn't automatically mean that what they are doing is illegal since there are provisions for one-off mortgage lending by unlicensed individuals (lending your nephew money to finish the garage being a good example), but there's about a 95% certainty that if you're doing it for a living and/or actively putting yourself out there as a mortgage lender of any form (like if they are doing enough volume that they use email templates...), you are supposed to be licensed.Another flag is anyone asking for up-front fees before you're even in escrow, or fees once in escrow that exceed a normal appraisal cost.If BOTH of these tests fail -- no license AND up-front fees -- they're almost certainly a scammer.

I finished up my MBA this spring and didn’t give the unit the attention I should have while I focused on my school work. 

@Loni Anderson I have had a few questions about SD IRA lately.

It is nice to have a debit card for any online payments.Our experience of late is that Fidelity and E*Trade are not opening accounts for IRA owned LLC entities. 

Some folks here have talked about buying big box store cabinets and finishing them with durable stuff.

In addition, I can show you our most current success in Euclid which we just finished and rented. 

We need advice on prepping the bare surface so the paint will adhere and not just peel away like we are seeing with the current finish.

I recommend that you stop reading as your primary means of education after you finish these books and transition to active participation in your investing activities. 

It is very much the standard fee across the nation. 50% more late hours or weekend calls.Suggest you have similar equipment when they do not answer your call.