It's clear that you believe this tenant is not intelligent.

Personally, I don't low ball people, because it is disrespecting their intelligence.

I hope to bring some intelligent conversation to all facets of the business and know many topics will benefit from your presence.

This forum is the BEST forum I've been on....and the only one that has people respond to it with intelligent advice...thanks to everybody so far.Great idea, Brian....I have a VA loan with my current house and just bought it 3 years ago.

You really put a price on your integrity, lying, failing to deal in good faith, and fraudulently, by attempting to artificially start a so called bidding war.

First, the poop didn't hit the fan because credit scores were artificially inflated - the poop hit the fan because lenders were lending to people with bad credit and lending too much money to everyone.If you had great credit and bit the dust because you borrowed too much, it's my opinion your credit rating should be lowered and it should be harder to get credit.Just because a lot of people messed up, doesn't mean the metric by which lending risk is evaluated should be changed.

A good loan officer who also has a good amount of financial intelligence can help with being able to review and analyze the relevance to a loan scenario between the 3 financial statements:  1)P&L stmt., 2) Cashflow stmt., 3) and balance sheet in order to plan your finances to banking guidelines so that you not only obtain financing but you do so while minimizing the burden of unnecessary taxes, increase cash flow, manage debt expense/rates, and increase equity growth.Most loan officers will struggle with just getting you a loan as they are used to W2/salary/hourly borrowers with very simple scenarios.The hard part about working with self employed/ business owners/ investors as borrowers is that as a LO you'll have to sometimes comb through multiple partnership, corporate, personal returns, amortization schedules, and other tax schedules to determine, analyze, extract, and find additional income to make a scenario work and it not only takes financial analysis skill but also knowledge of the guidelines and most crucially how the LO can sell the "story," whether it be income, occupancy, asset seasoning, or other to the underwriter to ultimately get you an Approval with the least brain damage as possible.Beyond the analysis and loan qualification skill they will help present you with different scenarios to better your investment return, how to obtain your capital again after an acquisition, strategies, timelines, and generally figuring out ways to make your untouchable equity turn to a lump sum of cash (cash out), or how to convert a jump sum of cash into streams of income (vice versa).

I will continue to work on developing my criteria for investing and continue to learn the area, so that I can at least somewhat intelligently speak about what I want.

Which is good so you can't get someone artificially boosting their numbers by voting on their own stuff or having a "wink wink" arrangement to have someone else go and just vote for all of their posts.

I am from Salt Lake City, Utah, and am SOOO ready to get my hands dirty and start investing intelligently!!