I did not sign up, they never called me during my scheduled meeting time and then called me the next day to apologize. 

And my apologies to you trailer park folks, but you know what I mean 

Apologies if this drifted from the topic of the original post but I think Joe’s question drives to the reason that I don’t have an easy way to slowly build up the experience that I asked about initially. 

@Andreas W.I apologize as I put some incorrect information in my post.

@Scott Berens apologies, we don't do the BP DM thing.

No apologies needed my man.You can absolutely read my older posts, but if you have a question, I am here to help.

If you don't, I would just apologize for the inconvenience and get the work done.I only give repair discounts when there is a significant impact on the features or use of the property,  such as no a/c in the summer.

If you read what I said, I apologized if I assumed you weren't a HML and you were.My answer is still the same, there's nothing in the deal but problems for the buying from year 3 and beyond....and if you think I was lecturing you, you have a very thin skin. 

Update: the VP of Sales reached out to me apologizing for the bad experience we had and helped to close our deal quickly.

I apologize for the delay and I hope your deal went smoothly.William, the only way I see that being possible to get someone to lend is if you have very strong contingencies for the return of EMD that stretch the full term of the contract, as well as a personal guarantee on the loan amount.