I also counsel them to show compassion for people with chemical dependencies, even if you disagree with them and think they are a big fat pig.

She would really be resetting her life back to the 20's, and that's tough to do.OTOH, if they have built up a nice fat nest egg and that's getting split, and she has a good paying job that easily qualifies for the new loan, and she's OK with continuing that until she decides what she wants to do with the rest of her life, doing the refi and staying put makes sense.As for your involvement?

The judge throws up the big fat ZERO.

I feel relationships are so much more important than a "fat" bank account.

Is there a lot of deep fat frying taking place in the home?

I know this is the obvious, whatever you do if there is not enough fat in the deal just give it a miss. 

My worry is that someone just made a mistake and I’m going to have a fat bill come tax time, or this will eventually bite me.

I was the stocky (fat) bald guy walking around handing out business cards on steroids. 

That takes out the high end flips and the big fat juicy margins I hear about, but it provides us with a comfort level.

I broker deals with my buyer clients making 6 figures per transaction so for me to syndicate the deal has to be really fat on the back end.