Does anyone have any advice on the best way to shop for a mortgage to pay off the hard money.

Any penalties I have to pay.

In reality I do pay some taxes so in excess of $500/hour.  

So theres there is my real secret....now if I could just get 1,000 people to pay me 995.000 for that :-) @George Kozlov did you buy the 995 program or the mentoring program?

My thought was one roll per person plus one extra—the house sleeps eight, so we supply nine rolls.

But it does not make sense for me to pay PA a fee on the amount $10K.

When I'm on vacation, grilling is often part of the plan, and having to pay a propane deposit and a $50 cleaning fee could be a deterrent.

What’s interesting is that I cash flow pretty well and haven’t dealt with tenants not paying.

I am also finding that as you mentioned part of the learning curve is knowing what a particular state's law is.At the same time, I have in the past found paying some money for a course has helped me to learn and take action more quickly. 

You'll have to pay many multiples of that.