Baiting a borrower" this is where a lender manipulates the conditions or circumstances to cause a borrower a greater loss in failing to perform or gives the borrower the perception of a greater loss.  

Hi Connie, Id definitely be interested in talking to you in more depth on your note buying.

I usually average out the last 90 days actual rents collected, divide that by .016 for a starting point and then manipulate that number based on how good/bad the property looked at the showing.

I should know more as I go through the process in more depth today.  

The closest thing in quality and depth would probably be a combination of Corelogic's products: Listsource and RealQuest.

Any time you add numbers they are subject to manipulation and misinterpretation.

From the tools, book recommendations and podcasts, this community is exactly what I need to get from where I'm at, to where I want to be.I'm a homeowner in San Diego, CA; the list of topics I need to learn in depth is at this point seems staggering, but I am chipping away at it day by day.

Here is a more in depth look at income/expenses: Income Monthly Annual Gross Rent $1,655/mo   $19,860/annual Vacancy Loss -$83/mo   -$993/annual Operating Income $1,572/mo   $18,867/annual Expenses (% of Income) Monthly/Annual Cleaning & Maintenance (10%) -$157/mo   -$1,887/annual Insurance (6%) -$93/mo   -$1,120/annual Capex (5%) -$79/mo   -$943/annual Taxes (13%) -$211/mo   -$2,530/annual Operating Expenses (34%) -$540/mo   -$6,480/annual 

At this point I believe she will be going after high octane and in depth training while trusting our gut intuition.

Because of the deceitful language that you have used to manipulate people into not knowing your true intent.