I do not disagree in principal however stats do not support the need at this point in time otherwise, as I stated, the word would have spread wider and much more than 50% of investors would be on board.

In time, the right people will find you.Good luckBob

The nice thing about real estate is it’s forgiving you coyod do a lousy job and stIll make out In tIme .

In time all of this will start to come together and make more sense.you might want to check out How to Find a Mentor

Depending on what they have or haven't done in the past that house is just a sitting liability and liabilities often increase in time with increasing balances and foreclosures. 

Your cottage by the lake in perfect location, step back in time. 

At this point in time my bud was accepted with 10% down.

At that point in time, you have some level of flexibility when you are dealing with the borrower.

Just to echo @Tal Simpson, I was very pleasantly surprised when I visited Birmingham.

As a previous poster mentioned, so long as multiple inquiries are close in time, it won’t hurt your credit.