I think it's fair to say that for some people, reading can essentially be another form of procrastination, just like social media and TV. 

Some people will push to get the maximum, even if it means they may wind up with nothing. 

A4: If you pay as “friends and family” – then yes, need 1099s.Q5: I only need to send 1099s to people, not to LLCs, right?

And, I think its fair to say that we all may forget what people say or the information they provide, but we all never forget how someone treated us and made us feel! 

This is a great place to learn and to connect with people so take advantage of all the great resources.

I would suggest focusing on solving people's problems more than trying to sell them.

I imagine for people who have had accounts there for a little while would be approved quickly.Also on the cashout refi definitely hit up Community Bank.

The limit is "three unrelated people" and cousins are not considered related under this code.

So they would first payoff the first mortgage, if there is a second then $ goes to the second and if anything above that goes to any other lienholders or the homeowner.There are a lot of people who invest in 2nd mortgages because they are cheaper than a first, but in Ohio (not sure all counties) you have to pay off the first at foreclosure so if you do not have the money to pay off the first you are out of luck. 

In regards to your offer, I am always willing to learn more from people who've been there and done that.