How do people people use the brrrr method when they do the cash out refi part, meaning normally you go to a small credit union to do it, but most banks only allow like 4 investment properties you can refi, so how are these people with 40 or 50 properties are doing it, do they go to like 10 different banks, and also once you refi the banks require credit checks, well are you getting like 3 or 4 credit checks a year ?