![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/606764/small_1621493661-avatar-reyjagustu.jpg?twic=v1/output=image&v=2)
5 December 2016 | 6 replies
@Ray Agosto - actually the only way to get an accurate list of cash buyers is without access to the MLS.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/21180/small_1621361186-avatar-olowshinenine.jpg?twic=v1/output=image&v=2)
17 September 2017 | 45 replies
@Rich Hupper As @Ray Lai mentioned, try a site like Intelius to find other relatives.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2615780/small_1697117060-avatar-skyr4.jpg?twic=v1/output=image&v=2)
15 December 2022 | 5 replies
Quote from @Sky Ray: My names Sky.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2181447/small_1646450140-avatar-amyr140.jpg?twic=v1/output=image&v=2)
29 December 2022 | 11 replies
@Amy Raye RogersThe homeownership rate has been rebounding since the great recession, so I just don't think it's true that we're becoming a nation of renters.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/925752/small_1621505658-avatar-jasonr256.jpg?twic=v1/output=image&v=2)
29 December 2022 | 10 replies
Originally posted by @Jason Ray Richardson:Originally posted by @Joshua Diaz:Awesome job!
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2607986/small_1670108903-avatar-brycee21.jpg?twic=v1/output=image&v=2)
29 December 2022 | 12 replies
Quote from @Leo Ray: Quote from @Bryce Ericson: Quote from @Malcomb Stapel: Quote from @Bryce Ericson: Newer houses are up to code, but can be more expensive than an older house.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2540718/small_1668471050-avatar-marting117.jpg?twic=v1/output=image&v=2)
28 December 2022 | 9 replies
@Leo Ray & @Tyler Solomon thank you both for your response.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2607937/small_1671452750-avatar-davidi134.jpg?twic=v1/output=image&v=2)
30 December 2022 | 11 replies
Quote from @Leo Ray: @David Ingram that's not required by all lenders (in fact, I've never had a lender ask for this), but it might be required of some lenders...and it's possible more lenders are requiring it these days, since many are tightening their underwriting requirements. ..whether or not lenders require it may also depend on the borrower's overall financial picture and DTI (I'd suggest asking your mortgage broker whether they require this of all borrowers, or just in certain circumstances).Also keep in mind that not all lenders/mortgage brokers are the same--if you go around to multiple mortgage brokers, they may give you different qualification amounts, different terms, different underwriting requirements, etc.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2057473/small_1694755352-avatar-rayo28.jpg?twic=v1/output=image&v=2)
16 November 2022 | 2 replies
@Ray Os, for any utility provided by a government entity, I keep the bill in my name for exactly the reason you cited because if unpaid it can become a lien on the property.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2495195/small_1657823849-avatar-teresar58.jpg?twic=v1/output=image&v=2)
5 December 2022 | 4 replies
Tell her Ray and Sandy from NY sent ya.