Just stick to sending your stuff to the Feds, and you should be good.

You both know your stuff.

i keep seeing stuff online about rates are dropping.

Nothing special, stirring spoons, tongs, ladles, a cutting board, mixing bowls, all the normal stuff you’d see in a kitchen - the guests expect it.

Yep, even the 'waterproof' stuff.

But when it comes to YOUR STUFF you get relegated to a meeting 30+ days from when you request it. 

Then when you business grow, get a V.A so you could spend more time on other stuff and your family.

If you're not local, you should always have someone check that stuff out.

Doing the normal 401K stuff and looking to get into real estate.

My teams there in Cleveland do 2 to 4 a month with me and I am just one lender they use.. so they are your competition :)  Although they are particular where they buy they wont buy any hood stuff.