What I've had clients do in the past is make an offer without a financing contingency where they tell the seller that they are getting a mortgage to close the deal, but also provide proof of assets to show that they can/will close by liquidating the assets if the loan gets declined.

@Loren Souers I'd have to run the specific scenarios with the rates and fees, but if you're OK with paying the higher closing costs, the Mortgage 1 deal looks good, particularly if you focus on CoC returns.

I feel this gives me the flexibility to find the right solution for my client and not just sell what my bank offers.I'll also throw in my 2 cents on common differences I've seen in my career:CDFIs - Because of their subsidized financing structure, they have the ability to be a low cost lender (and sometimes provide grants).

How do y'all find your clients in need of this type of funding?

If the RV is not permanently affixed and retains mobility, it is considered personal property and depreciated over 5 years under the Modified Accelerated Cost Recovery System (MACRS).

I used to work in finance and we could get clients approved for a HELOC in less than 24 hours which will be much quicker than the cash out finance.

A quick web search shows it can cost upwards of $25,000.I'd say that if the flea-bag isn't a service dog now, it probably never will be.

I manage 400 rentals and the most significant claim ever filed was a kitchen fire that cost $20,000.

I want INFORMED clients.

That just has been a go to added coverage here for my clients.