You can jack up your net income and then have a bigger tax bill come tax time.Or you can minimize your net income and have a big fat tax refund come tax time.Valid point about effectively option B being an "interest free loan" to the gov't, but other than that you're not going to make or lose any money either way.

He came prepared with a fat money pouch of cashiers checks.

folks i know want to make sure they are paying their cell bill and cable TV.. 

@Rex Celle long as they don’t require 2yrs same job occupation it will work.

The phone# on my seller lists always seems to be disconnected landlines. What is the best way to get cellphones?

So by the time a broker prices to be competitive for "jumbo" loans (where retail banks typically have the thinnest profit margins, to win the business of the 800 FICO $2.5m price 30% down people they can later cross sell other financial services to), that same thin margin by law must also be the margin on FHA/VA, where retail banks by contrast generally have the fattest profit margins (a factor of 3 is not unheard of).Being a veteran and seeing that giant fat profit margin on VA for my fellow veterans, and figuring all this out, was part of why I made the switch.

@Rex Celle  Are you dealing with a total loss or a partial burn? 

You can do the things as @Rex Celle mentioned or you can find a partner or use that money couple with a hard money lender.

@Rex Celle Thanks Rex!

@Rex Celle I felt the same way.