Hey Brian - Thanks for the formal intro, regardless of how belated.

So, IMO for someone to sit in some title loan joint and actually make loans over the counter, without formal education in the lending arena, you'd need about 6 months to a year of experience before any manager would be rubber stamping you loans, more like a year to get a rubber stamp approval.My time lines are based on repetitious business, not doing some deal twice a month, but more like ten deals a day, 5 days a week. 200 deals a month, that means you have passed by about 1,200 loans before you have seen enough deals to guide yourself through the maze of lending at that level.RE lending will take a couple years really to be a good originator, that is not underwriting loans but walking the loan through the required process and address issues of concern, like title or appraisal issues.

It should make a lot of sense that the judicial states had the big increases.

I have strong support/proof for why this second one should be lowered, so I took it to the next level and filed a formal appeal requesting a hearing with the Assessment Appeals Board.

And to back up, if I had not had a formal education I doubt I would have seen the opportunities in other industries or have been accepted by other professionals (socially and professionally) to earn a seat at the table so to speak.As an example, I made a home loan to an engineer, then he came to me for a business loan.

With all the formal paperwork.

Formal rent surveys can be produced for a fee.

Earnest money in current contract law is used for a non-judicial remedy for breach of contract.

Others take a more formal approach.

Then when you have a real deal hire a professional to get a formal report.