So a lot of our clients will take a can of paint with them (or a hammer for an electrical problem). 

Where inventories are price sensitive making up the lion's share of collateral a bank will lower the hammer in a hurry.

and buyers are going to wise up and hammer on the wholesalers prices and low ball them as well.. 

@Nathan Roberts thanks for the insight I think you said it best master the marketing and hammer it out daily but keep a agent in my back pocket!

Well, because your using a rubber chicken to hammer in a landscaping spike. 

Just running through scenarios in my head to make sure I'm getting the basics hammered into my head.

But still, calling the borrower and threating to break his legs to collect would get the hammer lowered on that seller under that Act, so would calling the borrower at work or calling friends or tracking him down in a public place.

Every so often a candidate comes on--usually republican but not always--with this as an idea and routinely gets hammered even in the primaries. 

I find a lot of people just assume that since they inherently trust their friend/family member, a lot of the "what ifs" and worst-case scenarios are not hammered out in fine detail which can lead to confusion and personal interpretation after the deal is closed, which it should have been addressed pre-emptively before the money was lent out.

If they aren't, ideally they are gaining lots of experience in skills that will be useful on y'alls journey - getting a realtor's license, learning to swing a hammer, etc.