.✅ Income Verification – Don’t rely on chasing pay stubs or bank statements, as they can be manipulated.

Those frauds just buy 'carbon credits' so they can feel better about themselves, they don't really care or they would alter their lifestyles instead of pounding the rest of us with the guilt, Lol....And if we look at the temps for the last millenium instead of the last century, they can show that although we are in a temporary upswing, we're really on a slide into a colder era.

With 16yrs ahead of us, they already been lied to /stolen/manipulated from but they will never brag to you about their failures. and that is why you believe doctors make the worst investors.

The only point I was trying to make to the previous contributor was that a Temp rate buy-down is the best solution right now to someone purchasing a home because you use seller credits to obtain a lower rate (none of your own money) and can refinance in the future should rates drop, which they will eventually. 

So, they are able to hold the note on their books and manipulate the terms a little bit more.

Take it, leave it. but don't think that just because I offer SEO services does this imply I will manipulate my responses to sell SEO.

So I am able to provide guest services locally, as well as cleaning and concierge, while the owners still get to be involved but don’t have to do the hard work of driving from all over creation to come meet a plumber, electrician, put a faucet cover on for freezing temps, etc. it works well since we are like a partnership.

He follows a scripted and manipulative sales process to sell you on the idea of getting rich.

Keep in mind some investors will outright lie about what they feel is a comp or not just to see if you know your stuff and/or to back you down.Real estate has many manipulative tactics.

I only ask because a town I grew up in, (Tempe AZ) was cheap when I first arrived there.