I have received numerous applications and several people meet my criteria.

But what if I don't agree with the explanation?

Every city has its own mix of 'good area' and 'bad area' thing going on to some extent, but the bigger picture needs to be solid firstly.Beyond that, I think you're touching on numerous different things here but my mind would be on getting actual numbers/data. 

I've heard the explanations and the thought process behind the fateful call, but not the way Annie described it in this episode.

If any questions come up in the lending process you can get ahead of that with your, now solid, explanation.

Feel free to ask me any more questions if you think I didn't give enough of an explanation or provide enough info.

I did this backwards, more for explanation purposes.  

There is nothing more required.There are numerous options non of which would involve recoating the bathroom.

Theres also a royalty program for bringing other KW agents into the fold, you get paid every time they get a commission, it would take an in depth explanation.

Yes, commercial investors can have numerous loans...totaling in the hundreds of millions.