Full remodels are more time consuming and expensive than you expect, no matter what.

I was going to cold call that list but it would be time consuming and get in the way of talking to sellers.

Way too expensive and time consuming.

The fastest mortgage bank in the country right now works exclusively through independent mortgage brokers (a huge part of what helps them deliver on that speed is us handing them files already neatly packaged up, as opposed to what consumers provide... just this week I asked for most recent month of paystubs, and a person gave me a 107 page PDF with non-paystubs from 2018).

Rehabbing it with family members can save a lot of money however, very time consuming.

When I'm the LO I'm not allowed to talk to the appraiser about value, but the last time I personally refinanced (meaning that for that transaction, I was the "consumer"), the appraisal came in about $5k above what I thought it would (and that is why LOs aren't allowed to talk to appraisers in their capacity as LO, heh).

@Dan Gamache I won't be doing consumer loans.

California has some of the strongest consumer protection laws around, so if it exists here I must assume it exists in New Jersey. 

IN TEXAS, do not give a L/O or CFD to a consumer. 

Isn't there a consumer's privacy rights that prohibit this?