The system is automated and will kick back a counter based on minimum acceptable price. 

You may wanna check on various podcasts and forum posts, they've been instrumental in a lot of the ways I analyze deals.Best~Lydia

A lot of it is automated by having them send an email to receive and answer pre-application questions.

Plus, one of our competitive advantages is to connect with the people over the phone via our good customer service so I believe an automated program would lower our NOI.

Thanks, RZYou can use your degree or schooling as part of your employment time frame if you can document that the major you studied was instrumental in helping you obtain your current occupation or is in the same field as your major. (2 year employment history)This allows you to bypass the 2 year employment and tax return dilemma.

Automation is not your friend.

Hah @Gary Parker, it's because I have an automated system that emails FSBO listings on craigslist.

It is a wise instrument to record for the investor with a seller in a sandwich lease option.  

Everyone will hopefully find their fine balance of: - liquidity and liquid reserves - asset/equity growth goals - debt management and cash flow management by strategically managing loan terms, notes payable, allocating, shifting, and replacing the more expensive debt instruments with less costly and better terms (fixed, no balloons, non interest rate sensitive) - tax planning - recoop losses from your financial bucket to be redirect to higher purposes or returns - estate tax planning - if you're over 5.34 mil and cannot siphon off your wealth quick enough through the 14k gift allowed annually per person- risk management - since each person has their own risk tolerance for each of the above categories To focus on just equity growth with out considering the other areas of planning may be very risky but thats just my opinion.

Well, of course the note and the mortgage are two different instruments.