The advice can now be something very actionable, which you can try and then send them a thank you note based on how it went. 

Another thing to note: Some lenders just don't utilize soft pulls, so they have no choice but to do a hard pull.

@Matt Wan Many lenders require wet signatures on at least the Promissory Note but if yours does not, as a US citizen you could do the entire signing anywhere on the planet with a good internet connection + mic + camera via Remote Online Notarization (RON) for less than $200.If wet signatures are required, the answer then depends upon what foreign country you are in.

You say 10 year note, but your photo shows 30.

If you have a self directed account and invest pre-tax money into illiquid assets like syndication or mortgage notes they will come in at a value of less than the principal.

However, it's a safe bet that these respective areas will continue to appreciate steadily for the reasons noted.

Agree Google nmls - funny on Facebook where 99% of private lending groups that are public are scam artists you get the "well license isn't required"I reply to this noting that while you are correct in some states - chances of a scammer with a nmls license are less than 1% while those without is 99% on sociale media 

BP will be the perfect place to find a mentor or just take notes from others experiences to add to your back pocket. 

Please Note: I want to first discuss the calculations first, and then discuss the likelihood of this.

And note in this I do NOT skimp on material quality.