People reinstate the loans and do loan modifications all the time.

In regards to your offer, I am always willing to learn more from people who've been there and done that. 

I imagine for people who have had accounts there for a little while would be approved quickly.Also on the cashout refi definitely hit up Community Bank.

My wife and I have overhauled our personal budget to reflect the 'pay yourself first' approach (allocate in order: income comes in -> invest -> donate -> fixed expenses -> variable expenses -> fun $$).We are looking to see what experienced people generally recommend for a holding tank for that 'invest' allocation while we target our first real estate deal.What financial vehicles have you guys used that works well for this?

I really feel this is helping people find affordable rentals.  

I’ve been in this space for a long time, coaching and investing, and I love helping people get started.

According to NYC, STR is hurting housing affordability just like normal people can buy a house or condo near the Time Square and Madison Garden. 

Stuart - we do not identity check the people who are signing up to post to the forums.

On the other hand, there are others who have tried it and it just does not work for them. 

James and his people who manage the program are nice and give basic sales and negotiation advice but not much that moves the needle in any situation.