Originally from Africa, I’ve embraced new opportunities to build a better future, and real estate is at the core of my financial freedom plan. 

I do not personally originate loans.

Within a year we had 3 or 4 originators, 2 or 3 processors, and a full-time admin assistant. 

Since the original mortgage stays in place, you only need to ensure the reinvestment equals or exceeds the proceeds.

Originally posted by George Paiva: How do you know she does not have the heat on?

It is my understanding that the new owner will have the house at the cost basis of my purchase price, for calculating capital gains taxes or depreciation.For gift tax purposes for you - FMV.For capital gain tax purposes for the recipient - your original basis/purchase price 

I reach out to the original borrower and ask them what’s going on.

Similar to what Patrick stated - most have ITINs and have seen a lot of loans like that and those are sold many times on secondary market. if not I know people who still originate I would say they are tougher to sell on secondary market but there are still buyersRe: jay comment - price of notes has doubled over past five years on many loans - especially defaulted or loans with some hair too them. 

Originally, I felt limited by conventional lending DTI.

But, alas, the loan isn't with one of their wholesale partners, so they will have to charge me a 2% origination fee: 1% to lendbase and 1% to the lender.