Overcoming a huge limitation today that has kept me from success in the past is an amazing feeling.Thanks for reading this, and I will continue to post what I do.

When measuring a 'Bank Stress Test' An analysis conducted under unfavorable economic scenarios which is designed to determine whether a bank has enough capital to withstand the impact of adverse developments.all non-performing loans impact the auditors rating of that institution.Another way to say it, EVERY REO is subject to a Short Sale.

What are your suggestions about overcoming the competition and getting the deal?

We don't know what that adverse scenario will put it in the hospital, or how bad the event will be, or how long it will have to stay in the hospital.

Ever wonder why your depression era grandparents (or great grandparents) are adverse to debt?

If you deny an applicant or take any adverse action (i.e. charge higher security deposit, require co-signer, etc) based on information in their consumer credit file, then you should be sending them an adverse action letter which basically tells them what consumer reporting agency supplied the info you relied on, the contact info for that agency, and how they can get a free copy of their own credit report. 

Also, if you have an attorney that knows litigation they are better at advising you on what would really happen even if the bank made a move (which they likely wont) and how to protect yourself from any adverse affect. 

Multi-families seem to give the best ROI in our city, but I am not adverse to single family properties, especially if we can BRRRR.I would be happy to connect with local landlords and other professionals in the area.

Sometimes these can be overcome by not subdividing. 

I will be getting new resources and learning the different ways to get into the industry until I find one that I enjoy the most and suits me.I would like to know about your projects, major obstacles and how you overcome thoseSincerely,Juan Antonio