For example, we will generally lend up to 50% of the land value to cover soft costs leading up to the approved plans and permits.

Over the years I have had to make a few small repairs due to a few soft boards here and there.

Will put a foam/pillow top on so guests feel it's soft enough. 

Huge deck, walk over to the beach, gorgeous Gulf and ship channel view, TWO master bedrooms, custom made cabinets & entertainment center, Cindy Crawford signature furniture, stainless steel appliances, blue pearl granite counter tops, wood look alike ceramic tiles for long lasting, top of the floor is on 18.4' elevation, over sized capacity Maytag W/D, 65' smart TV with 200 watt sound bar, owner's private closets to keep your stuffs when you rent it out, underground power line, very large parking lot, soft bright lights around upper deck & ground level for your late evening entertainment.

Quote from @Yashar Fred: I have an applicant who is inquiring if I can do a credit report check using their SS# instead of them applying for one are you aware of any way to do so  Yashar, if you pull the credit report it may appear as a hard inquiry on the tenant's credit file instead of a soft inquiry with SmartMove or a similar service.  

We are all struggling in this bass ackward economy.

@Rich Hupper any Borrowers I've worked with on Soft Seconds usually wanted to buy something else within a year and would question the very favorable terms, especially the "... subsidy recapture provision triggered by refinance or sale ..."

That and the doom and gloomers are going mainstreamhttp://www.bloomberg.com/news/2011-04-16/texas-university-takes-cue-from-kyle-bass-to-hold-1-billion-in-gold-bars.htmlIt is what it is, and there are valid points on all sides, including the "We're in recovery" side.

Soft of defeats the tax advantage the IRA is supposed to provide.

Steve Bass I also use square cash!