Unfortunately, that is an expensive time-consuming process.

It is only one paragraph, but in consumes the ENTIRE page because I use a HUGE font.

The "deposit" works as a way to make the payments on whatever you've drawn and self consumes itself.  5.75-6.25% fixed interest, amortized over 25 years for a 5 year term. 

I think broader consumer taste is killing malls, which includes online shopping, but also even where people are choosing to live and how they are spending their time/money, more broadly.I worked for a company that bought a failing mall back in 2012 (online shopping was "killing retail" then too), redeveloped most of it into more open air power center and sold.  

There are many reasons that adding a single ADU in southern CA is a less than ideal RE investment (i will post a list at the end) but the negative initial equity is a primary reason as the initial negative equity position consumes the initial cash flow and can take many years to recover.As for converting your home to a rental….

I've done my projects solo so far and it has worked out for me, however, it is time consuming and not in the position to invest all into one deal.

Instructing or deliberately causing a borrower to sign business-purpose loan documents when you know the money will be used for consumer purposes has always carried civil liabilities.

2- if there is a “problem” Will the “solution” discussed solve it in a cost effective, consumer accepted way?

I have mlo in Oregon and it’s the division of consumer finance and corporate securities. ca probably has a version of thathowever I did all my loans with my ca brokers license  

I'm SURE you mis-spoke and meant to say, he's a close friend that I am trying to help but it was not my intention to "fix his credit".Debt Relief and Credit Repair Scams"The FTC has brought scores of law enforcement actions against these bogus credit-related services, and the agency has partnered with the states to bring hundreds of additional lawsuits"SOME CASEShttps://www.ftc.gov/news-events/topics/consumer-finance/debt...Financial Education Services (August 5, 2024 )Panda Benefit Services, LLC., FTC v.