The vast majority of "regular" or traditional (Conv/Govt) mortgages are originated by specialty lenders and brokers and are sold in the secondary market to provide yield on bank balance sheets (think Chase or BoA) or to be securitized into MBS.

It stopped when he lost a couch in transport when his roof rack failed.  

Since HELOCs have a variable rate, you’re banking on rates staying the same or decreasing.

They have an app, scan your mail, forward mail, and will even deposit checks (forward/mail to your bank).

A lot of them didn't want to listen to sound advice from me, the person they hired, and projects went left and failed. 

For example, bank accounts we control and specific investor capital accounts are all tracked in this same software.For our investor reports, each month we download spreadsheets, write a narrative for the month's performance and then export it all to a PDF.

This might be a silly question but have you ever been successful in getting the developer to finance it for you versus a bank or other loan?

We want to avoid letting money just sit in the bank account when we know we could be making it work for us.

She did babysitting, banked about $7,000, invested the $7,000 into a co-op in downtown Los Angeles with another Japanese girlfriend.

Do you feel this is controllable or that it's mostly up to chance who succeeds and who fails?