@Paul GarciaIt sounds like you are current getting the credit report pushed to you in a "soft" hit.  

Paint the entire house in a soft grey.

The hard or soft money route is a great option.

These "soft" factors are harder to know without really trusting someone in the market you want to enter.

He found it so personally rewarding he has gone on to become one of the most respected expert witnesses and credit experts in the country - and he's only been in the business for seven years.See what happens when you "paint with a broad brush"?

I had already gone to Home Depot and bought brushes, blue painter’s tape, and all the fancy paint holders that I thought I needed… You should’ve seen the look on his face and the laughter that ensued.

My ego says I am big time financier, but my modest success may have more to do with my ability with a hammer and a paint brush. 

@Isaac Frost  soft costs were tax's insurance utls closing costs I imagine.where do you factor in your cost of capital.. or when you say private investor. .did you have a cash partner. and he got paid out of the 131k profit. ?

Is so, then the matter isn't just limited to WC, there is the whole issue of unemployment insurance, matching social security, and other such soft costs that come into play.

I want to thank everyone  for the soft nudges, tomatoes and paint balls.