Recently had a conversation with an MLO who had their license with Company A (NMLS regulated) and then on the side, this person conducted commercial-only business loan-related activity by starting their own LLC (company B) in the states where no mortgage licenses are required.

I’m an investor and student of the game when it comes to building passive income and a solid portfolio.

Once we had the home inspection I was able to have the seller credit us at closing $8k...of which the escrow could not credit the entire amount and so I had the seller write up a personal check for $2000 How did you finance this deal?

Your IRA can borrow, but you have to be careful to not personally guarantee it.

It's a zero sum game.

Having a person answer the phone costs the PM company substantially more than operating a support button with a delayed response.

I’m looking to continue buying in Las Vegas and am interested in the mid term renal game. 

I understand that each person's situation is different and unique and can appreciate the insight you all offered. 

Now were back to a mare normal world where a person has to have that skill of forecasting, analysis, ability to "read the tea leaves" for where it's all going and if todays acquisition makes sense. 

The factors to consider are your overall objectives, your credit score, DTI and personal financial condition I recommend you find a broker or originator whom you can trust and have them weigh your options.