I’ve heard that a debt settlement attorney can help negotiate with creditors to reduce the total amount owed, which sounds appealing, but I'm a bit unsure if the cost is worth it, especially since some charge high fees.Has anyone here worked with a debt settlement attorney?

While Dickie Baldwin at BAG came highly recommended, I haven't been able to reach him as his mailbox is currently full.

I work for General Dynamics Electric Boat which has decades long contracts with the US government and the turnover rate is relatively high in the company so my thoughts are if I could choose a place that is within commute distance there and within the price range of the average employee that maybe that could be a great idea but I want to know if people think that is too much of an assumption and risk to make?

My most recent condo carries a rate of 7.99 fixed with about  90k equity the other carries a rate of 4.75 ARM with 80k equity The 3-plex has a rate of 3.45 fixed, over 250k in equity. 1.

@Yixiong Pan if you have no renovation experience, there's a high chance you will get eaten alive by contractors!

A bit about me: I’m currently exploring various investing strategies (fix-and-flip, buy-and-hold, etc.) and looking to expand my knowledge in residential and commercial real estate.

Investment Info:Single-family residence fix & flip investment.

Now those items had to be disclosed or fixed by the seller.  

If you're going to do it in that fashion, I'd pick the smaller amount for both; one tenant will appreciate the fact that you didn't raise it as high as they suggested, and the other one will think it's fair.

If you have your down payment ready and are looking into commercial real estate, long-term rentals, short-term rentals, fix and flips, house hacking, BRRRR, or new construction, I'm here to assist you.