Another 2 mins.Newbie borrowers sometimes call (I'll exaggerate here but all too often only slightly) .......wanting a long conversation (unless I can head this off at the pass) about their Real Estate Dreams, what is the difference between % of purchase and % of LTV, what does points mean, why can't I lend 100% of the purchase, and do I have creative ways of them funding 100%, go on at length about what amazing ARV this property has, how their credit score USED to be 800 but is now 510 and why this is so - in detail, can I do this deal in 3 days since they have spent the last 27 days of their contract apparently waiting for both neurons to meet up somehow, all about their troubles in life and somewhere near the end can I please lend them $30K even though the advertising they are responding to - but apparently didn't bother reading clearly says $80K minimum (and also answered most of their real questions)... usually all spoken really, REALLY slowly with long pauses while they write it all down in long hand and I have to repeat everything about 3 times AND they get offended if I try and cut this short by offering to just send them a loan application form so that I can give them a terms sheet sometime this century.

The need for an LLC is grossly exaggerated on BiggerPockets and other websites.

the numbers i was given were probably exaggerated a bit for illustration.  

We've had such a limited inventory that anytime you combine percents with smaller numbers the effects are exaggerated.

That's because buyers can't get a loan on a house that's unlivable, so the before repair value on those houses is essentially $0 to owner occupants (that's an exaggeration, but you see what I mean).The minute you get a house into financable condition, the value increases tremendously.  

I have looked at a few places all over and am starting to notice some trends, which I believe have been exaggerated given the current market. 

The problem is, all 100 -- not exaggerating -- never got to the point of even seeing the rental.

Those who toss loan proceeds to the COC are skewing their return, it will be exaggerated

So you either have to have a really strong down a great job that isn't going there anywhere in the recession and you are an extremely qualified buyer and you're purchasing a home that's in a really super-duper area that's a little over exaggerated but at the end of the day, the goal of the lender's right now is to slow the pace of the market down by restricting lending and putting the money on the sideline.

As the value of our investment grows, we expect this profit source to dwindle in future years to no more than 1-2% per year.Reaching conclusions over any short period of time, such as one year, is folly, as the short period tends to exaggerate performance.