Find some type of private lender willing to do a flexible no doc loan at 50% ltv for them. cons - Given they are a consumer without adequate ability to repay it could be tough2.

Just consume as much as you can.

I've consumed so many BP articles, podcasts, and other material.

Never forget that, for better or for worse, the US consumes 25% of everything on this planet, yet only contains 4% of the global population.

My credit is average and I have about 13,000 in consumer debt.

The added fees, and compliance regulations have almost eliminated small independent investors, and financial institutions from doing mortgages, and in return have actually created worse situations for many consumers.

The unemployment numbers exclude too many people who've left the workforce...

short supply  so if you buy those were there are jobs seems to me its pretty safe bet.but then we are all just one major incident away from some sort of consumer sentiment stopping sales. 

This way if it was more time consuming, we charge more, but at the very minimum, a $150 fee will be charged.When factoring the cost, make sure that it covers the minimum time just to make it worth it to someone to do the work. 

I haven't had much luck finding many of these types of folks in my area: most are expensive, they come and go frequently, so you have to keep a list 5+ deep to make sure timely service is achieved.Anyway, those of you who've "been there, done that" in a slower growth mode like I am describing...what's your story of managing growth?