no need to apologize, Jay... we've all been there, I'm not far ahead of you.

Go ahead - it's absolutely fine with me.

The paperwork is pretty straight forward as there is a lot of history out there to depend on.4.

and massive (time-is-of-the-essence) action plays a critical role in staying ahead of "competition". good luck and hope you have continued success.

But $1 on a straight forward purchase isn't going to happen.

Banks have straight-jacketed real estate for too long.

Instead, i had a goal, and a very long road ahead of me.

Thx for the info i was thinking of going straight to the lender but i see i have to actually get permission from the borrower first?

Loan Criteria Documentation Full Income / Verified Assets Main Credit Score 580 Occupancy Owner Occupied, Non-Owner Occupied Foreclosure 84 Months Old Bankruptcy Ch. 13 84 Months Old Bankruptcy Ch. 7 84 Months Old Loan Amount $100,000 - $1,500,000 Lien Position 1st Mortgage Cash Out Amount $1,500,000 Loan Purpose Purchase, Rate and Term Refinance, Cash-out Property Types Hotel/Motel, Other Commercial Types, Restaurant/Bar Rate Types Straight Fixed, Adjustable, Hybrid Amortization 15 Years, 20 Years, 30 Years States AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY Special Features Borrower is a Corporation, Borrower is a Trust, Interest Only Payments Available, Borrower is a LLC or Partnership You might even have to consider a hard money approach---here is an example of what you can expect:COMMERCIAL, 001 70% commercial Loan Program Notes • Loan amounts are allowed from $100,000 to $5 million

I'll go ahead and agree with your thoughts here, Matt.