Originally posted by @Victor Drazen:Hello,Loan Originator: No fees/no salary/Split commissions: 3% of loan amount and split: 85% originator (me): 15% Broker (employer)@Jerry Padilla apparently we're overdue for some big fat raises. 

, credit scores are great, and they have big fat down payments (which could hint at their "real" income that you won't see on tax returns).All the data that I've read says that non-QM is outperforming FHA.

You do not win all the deals but I just want the fat ones.   

Media often presents us as rich fat retired on a beach white guys (real estate publications don’t help this nor do blogs like BP with headlines like “Retire in 12 months with $1,000,000!”

@Nicole Almond Barry mills 5018045551

If I can't trust what they are saying, its a big fat PASS for me.

As it sits, $1000/mo on 40K is nice fat 30% cash/cash ($12,000/$40,000), but it's only a 3% cap rate ($12,000/$400,000).

Excuse my fat finger miss spelling.

After all, my personal house had nearly doubled in value since purchasing it a year prior and I was feeling pretty fat about my new-found wealth.

LOL My statement was assuming that you had placed a fat down payment.Please don't take my posts offensively as I do respect the vast experience you share with the community, and do not intend to offend when I share my opinion.