My story eerily mirrors @Alvin Lee 's. 

What was it about Renatus that you perceived as "smoke and mirrors"?

I used it on a wall that was damaged from old double-faced mounting tape that had been used to attach mirror tiles (from the 70's). 

Also assumes 25% down.Still not closed - original target of May 5th is now a couple weeks in the rear view mirror.

They're mirror images of each other.

Went from fogging a mirror underwriting and NINJA loans to the experience of getting teeth pulled and needing your first born, an awesome job and credit.  

To me a foreclosure at the end of all the smoke and mirrors is an eviction.

The most common materials which contain asbestos are drywall joint compound, sheet vinyl flooring (not linoleum), vinyl floor tile, floor tile, mirror, and other mastics, window putty, pipe, tank, and boiler insulation, HVAC duct insulation, asbestos-cement flues, asbestos-cement shingles (roof or wall), acoustic ceiling texture, stucco, roofing materials, and even sound insulation on steel sink bottoms.

That's called a 'meritocracy' and I like playing on that field.In the meantime, just in case, whenever I get too worried I just look in the mirror and practice saying: "Can I supersize that for you?"

I was hoping some reputable HML in each geographic area would chime in on best practices and market conditions and rates.were you see the folks getting sucked into they pump and dump pretend lenders is the bait and switch of rates that mirror FHA or conventional full doc lending ... and they are touted as private or HML and we know that NO HML company can loan money at 5 to 7% and stay In business.