Remember the pig gets fat, and the hog gets slaughtered!

Originally posted by @Victor Drazen:Hello,Loan Originator: No fees/no salary/Split commissions: 3% of loan amount and split: 85% originator (me): 15% Broker (employer)@Jerry Padilla apparently we're overdue for some big fat raises. 

That's what good genes will do for you.

, credit scores are great, and they have big fat down payments (which could hint at their "real" income that you won't see on tax returns).All the data that I've read says that non-QM is outperforming FHA.

You do not win all the deals but I just want the fat ones.   

My .02.Gene

Media often presents us as rich fat retired on a beach white guys (real estate publications don’t help this nor do blogs like BP with headlines like “Retire in 12 months with $1,000,000!”

If I can't trust what they are saying, its a big fat PASS for me.

As it sits, $1000/mo on 40K is nice fat 30% cash/cash ($12,000/$40,000), but it's only a 3% cap rate ($12,000/$400,000).

I recently used Gene Wegner Plumbing, but they weren't cheap.