They know people like me and other millionaires for along time will tell them to go f*ck themselves so they do not even contact or try.Successful people don't have time to mentor people for 1,000 bucks.

(Some people say 760 or higher.)Again.

Are people holding on to their money or are they feeling good about the future?  

;-)@Karla MaderaI love the Dominican Republic as a country, for its people and as a real estate investment destination too.

I have used Xero in the past and was not to crazy about it, but I have seen some people make it work. 

What you are saying is how people become slumlords over time, unfortunately.

I recently read people making up to 117k a year can qualify for public assistance in SF.  

new construction homes everywhere. many people waiting on the fence. once the rates drop its going to get crazy again.

What experience do people have with this, is there a way out and "off" their list.

or in the 700's because most people think they have perfect credit.You also have to know occupancy type like primary, vacation, investment, how many units, LTV/CLTV, Term, Fixed or Variable, Prepay or No prepay, Loan size etc.