DOWNSIDE no guaranteed/free leads, I'm completely new to the COUNTRY so my circles of influence are non existent.C) Very well respected small boutique brokerage.

@Marc Winter, I'm working my sphere of influence which consist of 450 classified staff union members and the faculty union totaling 1,000 members.

@Spencer Faulkner There are a number of ways to market your business on and offline, if you are low on budget it will be better to network in person or give up some of your time to blog, but these really are time consuming options.If you have a marketing budget (doesn't have to be massive) you can make more progress quicker but still have your time to manage the business.Look into ad platforms like, facebook/instagram, reddit and you tube for best value/effectiveness.Facebook - you can create a range of different creatives that appeal to your demographic - FB has very targeted placement options eliminating wasted ad budgets.Instagram - same targeting as FB but you also have the option to buy influences in your niche.Reddit - needs a lot of testing to get established but easy to find groups of people that match your target audience   You tube - create a short video and put it in front of the YT videos that your audience is watching 

The purpose of reviews is to get honest feedback, not influenced.

I mean there is a huge fake push from social media influencers talking about how they quit their W2 and cashflow $1000+ on every property they buy, this is, for 99% of them, FAKE NEWS.

In both instances, there is either an internal (personal, family etc.) or external (nonpersonal, economic etc.) factor influencing the decision.A seller with a balloon or adjustable rate mortgage will have a mighty good reason to sell and avoid foreclosure if they can't refinance to avoid paying off entire loan balance or get a lower affordable rate.

They're trying to protect their business and I'm trying to protect mine-  Experience has taught me that a resale is easier when a seller isn't influenced by the knowledge of your purchase price.  

success is not solely a result of hard work, but is influenced by external factors such as luck and risk.God luck to all!

So section 3400.103(X)(x) will read:An individual “takes a residential mortgage loan application†if the individual receives a residential mortgage loan application for the purpose of deciding (or influencing or soliciting the decision of another) whether to extend an offer of residential mortgage loan terms to a borrower or prospective borrower (or to accept the terms offered by a borrower or prospective borrower in response to a solicitation), whether the application is received directly or indirectly from the borrower or prospective borrower.

I would strongly suggest reading the book "How to win friends and influence people" by Dale Carnegie.