That's why the personal connection with the verbal deal and personal reputation on the line matters for me in classifying as a PML situation.That is a very clear explanation of the difference between HML and PML.

I hate having to force someone to address that but I've caught this person in numerous lies.

Quote from @Anthony Dupre: @Chris Seveney @Stuart UdisThank you so much for the clarity and clear explanation—it makes perfect sense.I’d appreciate your help in understanding business structures now.

However, if you demonstrate that you're abusing FHA loans, such as getting a new loan after six months because you converted the property you just bought into a rental without a reasonable explanation, then you could have issues. 

I talked to numerous California investors in real life and phone/Zoom calls who have lost money in far away OOS markets, mostly Midwest markets (e.g. repairs, capital expenses, bad tenants, properties vandalized while under renovation, evicted tenant stole all the appliances, property managers with high fees or overcharging for repairs).

This is a complex question, that requires answers with exceptions, caveats, and explanations, but here are rough examples:A.

Within the last 2 months, I've been approached by numerous investors asking if I do rent by room which I currently do not.

I've seen numerous QI's fail during my 40 years in the business, and most of the failures would have been prevented had their been government oversight. 

Hi guys, I posted that hosts should focus on one platform to boost ranking instead of spreading out multiple platforms and I think I owe more explanation since all the seasoned hosts do not agree with me.

It was an office building owned by a somewhat shaky business, but did have numerous long term roof leases for wireless providers.