He did as you thought, held it for a friend and then the employees dropped the ball and didn't follow up. 

Very few employees of any kind can say this.

I am a car dealer and one of my employees' hit hard financial times and was unable to continue making payments on their home.

Hey everyone, my name is Joshon Foster I’m from NC.

Quote from @Dave Foster: @Bill B., Pretty much hit the nail on the head here.

PUSHBACKThis law unfairly targets small employers (>20 employees).

I am not a W2 employee so constantly limited by my DTI when it comes to bank lending even though I am savvy with saving, house hacking, etc to keep my cost of living down.

The person managing it, is a goverment employee it's a sheep compared to deal makers of investment companies. 

The information I've received from not just my old employees, but employees on their own staff, is that the issues I see (and that are being relayed to me by previous clients) are systemic and nationwide.

My advice if you could build a small team with payment of 50% or some sort of percentage of your spreads as payment .8 director of your marketing campaigns it will be that employees job to buy things like the Deal Automator that makes marketing easier and more consolidated and less all over the place Carry what did Deal Automator does is take all tools you need as an REI and consolidated into one platform