I started again 4 years ago and have about $3.4M AUM now but it’s nothing compared to what could have been had I played my cards different 27 years ago.

Agreed it’s illegal at a Federal level but here in Florida they hand out medical marijuana cards to anyone that will buy one.

In most cases, this is enough information to figure out if you have a deal that is going to benefit the client and make sense for them (this is assuming you can get an estimated value of the home you'll be refinancing through other means, otherwise, you might also ask them for their estimate as to what their home is worth).If you're past this point of figuring out whether it's a deal that makes sense for them and you haven't run automated underwriting to determine what documentation is being asked for, here's a pretty standard list:- 2023/2022 W2s (any/all jobs worked during these years, regardless of how long they were on the job)- Most recent mortgage statement for the loan(s) you'll be paying off- Copy of their homeowner's insurance binder or contact information for their homeowner's insurance agent so that you can request this on their behalf- Most recent pay stubs covering 30 days (typically this is the last two pay stubs)- If the property is in a homeowner's association, you'll want a recent HOA statement showing how much the borrower pays for their HOA dues- Copy of the borrower's driver's license or ID card - front and back- If your deal requires an appraisal, you may want to get payment information from the client now. 

Any advice or lessons learned from your experiences is greatly appreciated.Thank you.MarcoI use Zillow rental manager and it works great to list properties (cost $10 per week to list a property for rent), screen tenants (free for landlords, applicants pay $30 per person for credit report and background check) and collect rent (free for landlord and tenant unless they use a credit card then the tenant pays a fee), but it doesn’t report to credit agencies.

I now have an LLC with a business checking account and credit card that I just established to separate my business transactions and personal.

It may prevent them from qualifying for another rental, a home loan, car loan, credit card, etc.

I’m in the middle of paying off my car but I’m wondering if I should get another credit card.

If growing your SDIRA is the main game, think about mixing it up with other allowed investments in the SDIRA world, like stocks or bonds – it's like having a diverse set of cards in your deck.

The problem in this case is the seller's primary reason for selling is he wants cash to pay off credit card debt.

And almost unanimously experts agree a major recession is not in the cards for the near future.At the end of the day, you can always wait to see if prices drop or the US economy has a downturn but you could be waiting a long time.