Stretching above your MAO for any reason is generally a really bad idea barring extenuating circumstances.You are of course going to need to know your ARV in order to calculate your MAO.

Welcome to the island scene.

Expert on Santa Cruz breweries and food scene.

The MN State Bar Association has a good starter/Template.

There is an awesome monthly meetup in Lincoln at Grata Bar on the 2nd Monday of the month at 7:00p.

A real eye opener that people willingly set their bar so low in life.

If you do not have the common scenes to avoid what you have already anticipated there is no way you will end up as a better investor.

POL came on the scene and they were doing HML at very high rates and points in NJ .. so my back ground other than recreational private aviation that I pay through the nose for.. :)  is HML  and I am thinking wow .. this is going to some heartache and sure enough some of the folks that posted have done like 10 loans and 7 are in default.. the foreclosure time in NJ and NY two states I personally would never be a lender in is 2 to 3 years.. and by the time you get the asset back its ouch time.. and that has played out for some folks and there is a high profile one in Atlanta that has been going on for years.. suppose to sell at 6.5 million and its listed under 3 now.. although I think they may get their principal back or most of it but its been 2 or 3 years.. and you know how investors get stressed.. and then the other issue I saw coming with crowd funding .. and remember my background is I have owned 2  Hml companies over the years one of them in Oakland CA with 250 clients and about 50 million under management.. these guys went about raising money from 5 to 10k investors and would literally have 20 or 30 investors in one loan..

Hello Everyone,My name is Klubo (Clue-bow). Originally from Minnesota by way of Arizona. I hail from the mortgage industry (MLO) and have been interested in Real Estate for a long time. My interests are Wholesaling an...

@Dan Barli  Thank you.