One more thing, especially for people who don't meet my criteria, besides more deposit is required, I also do a interview with them, not interrogation style, more like a friendly conversation to figure out their situation.

In March 2023 we started conversations with True Books.

I am going to talk to my PM about it to see if and how it was done, so if you would like to be included in the conversation or I can let you know, would love to have you there to see how it is done

DM me if interested in having a conversation.

I had this exact conversation with a borrower just a few hours ago, and it surprised us both.

I’d love to connect if you are looking for more of a conversation or even just to have each other in our network.

It would lead to less conversions, just keep that in mind.

Remembering that conversation, I decided to reach out to him.

We also have some buildings that are single family conversions not built with seperate utilities. 

I would suggest having a conversation to understand why they made the decisions they made.