The neat thing with TDR is that, after you've sold off the residential development rights, you still own the land and get to use it in all the same ways as before, except that you can no longer build houses on it.

The quality of people in his community is exceptional - yes there are world class experts, yes they hustle and are brilliant.

I may give an exception if at least 5 years have elapsed, but not for something that recently got voted down.

The only exception is dishwasher pods, we leave the entire tub out.

I essentially present to them my numbers of what I can redo the property for, and they loan me 80% of the ARV basically no questions asked except for an appraisal.

Meals, on the other hand, are only 50% deductible, with some exceptions.

Also looks into specific reasons for the lower FICO score if we are willing to make an exception. 

Granted we only have 17 but still, I’ve never used anything except a simple excel spreadsheet and all my rental properties have a separate savings account under my main account at my local bank.

Except I already had the property under contract.

All except one sold for the highest price point at the time of sale.