I forgot to include there is a form that the applicant has to sign to authorize the report, there is just no online approval component.

Everyday day counts, getting to network is a major component, but what will really shine is your knowledge of our local market.

You must bring something to your deals but you do not need to bring all of any component.

Today, it would likely be replaced by "billionaire".It's interesting to note that Forbes Magazine defines a "rich" person as someone whose gross annual income is $1 Million or more.Today's formerly middle class would likely define rich as someone who can afford the property taxes on the home he's lived in for the past 25 years.

I'm still trying to define my criteria.  

How I define a solid company culture is the following.Ethics are not optional, but guaranteed...a brokerage that simply does the right thingA culture of abundance where there is more than enough to go around.  

(Which is why they don't have one)  Their default is clearly defined by their monthly statement, demand letter, forbearance agreement or modification agreement.  

define "best"

My goals are somewhat ill-defined, in that I haven't narrowed in on what I would "need" to retire without a job, but in the essence of providing a benchmark for discussion purposes, let's say I would like to:- Generate system of cash flow w/in next 10 years to supplement overseas travel expenses and hobbies for family of 5.- Have enough wealth accumulated by age 45 to afford college tuition assistance for 1+ children- Stop ALL W-2 work at the age of 60- By age 60, have enough income through military retirement, cash flow, and other ROI to cover living expenses + leisure (travel, hobbies) for my wife and I; goal would be to have no mortgage on primary dwelling- Establish a trust worth a darn to my wife, children, grandchildren, etc.

A few unique components of residual income compared to DTI is that they count childcare expenses based mostly on your tax returns, and the square footage of the property determines a maintenance budget (agents think I'm crazy for putting max square footage on my VA loan preapproval letters, but hey it has a legit purpose).VA guidelines are so crazy that I've seen predatory HML model their qualifications on VA so later on when they are sued for predatory lending they can say "but we're just doing it like the VA!