My 3 largest passions are real estate, investing, and personal finance. 

We also offer gardening plots to our tenants as well as out door recreation space.

We, Houston is 4th largest metro in the state for a reason, people love moving here even with Hurricane and flood because its welcoming city.

I am not familiar with your area, but, in general December is always very slow, especially from December 15th until the first week of January.Many are visiting family, traveling and celebrating the 2 largest holidays of the year, Christmas and New Years.

In the past year we sort of got screwed out of a city because 8 months into the process we realized the city didn't want to help at all for our $10,000,000 project (largest development in that town since the 08 crash).

It is a rather dynamic economy...alone 5th largest on planet?

Mastermind will focus on all areas of life:- Finances (1M+ net worth self made, similar to GoBundance)- Business/Career- Marriage & Family- Physical Health & Fitness- Faith (does not have to be Christian, but some type of faith that grounds you)- Fun/Recreation/Adventure- Contribution/philanthropyProposed structure (TBD based on group discussion/confirmation):- weekly 30-60 min video chat: round the horn updates on goals, projects, AIs, etc; Q&A- quarterly 1-2 hour session focused on quarterly goal creation/sharing (12 week year style of goals)- annually attend a conference together: BPCon, FinCon, Tony Robbins, etc (aim for 1 per year, see how that goes)- accountability group, idea brainstorming team, friendship, camaraderie, personal growth- if the group vibes, consider an annual social adventure trip (vacation, backpacking, rafting, surfing, etc; with or without family TBD)Rules:- no bull, commitment, follow through, go getters, make it happen, be there for each other- leverage your strengths to build others in the group up, place that you go to give (not just receive)- transparency, authenticity: full financial picture, challenges, strengths, weaknesses, family life, faith life, health- can come from anywhere in the US, as long as you can relatively consistently do a video call at a decent time of dayIf by surprise a lot of people respond, I'm glad to be matchmaker for additional mastermind groups as well (men, women, mixed, at varying levels, etc). 

No boats, trailers, recreational vehicles, project cars, etc.

Then using a mortgages calculator, recreate the note term by adjusting the term, rate, and balance due until you have a similar note schedule.Explain to the seller the reason for doing it this way is for legal reasons and for peace of mind.

You now have a "recent derogatory credit line" opposed to a "dated derogatory credit line" which again time is one of the largest influences in all models.Also remember not all creditors report to all three repository.