I was just posting on an article where someone said they don’t issue keys they issue codes to digital (push button) locks, which got me thinking – hmmm, maybe I’m doing it wrong.

Generally, RE investors don't like single digit returns on RE.

There may be people in your circle of connections that would be interested in double digit returns for a short term loan.

@Jeff Keller I also did some research and I am going to go to my branch and see if they'll accept deposit slips with the only the last 4 digits on the slip.

The sponsors I work with have provided double digit annual returns to their investors- better than most of us can get on our own in a long term hold.  

Have one for check, and one for digital. 

So to sum up, I've got goldmines of information sitting in a box waiting for me to dig it up. 

By the time X years have passed, the guideline specifying X years will itself likely have changed to be some number other than X (X-2 is what you hope for, but X+2 is also a possible change).So, instead, I'm simply going to suggest that you are at least a year out, and...Have your outlook or other digital calendar ping you annually on the date that the bk was completed (discharged etc), and dial for dollars annually asking your go-to lender what the current guideline is on that anniversary date following a chapter 7/13/whatever bk. 

@Wes Blackwell, the digital mayor of Sacramento!

Basically:the first 5 digits are the court locationthe next 4 numbers are the year and month (i.e.