It's enterprise software.

Qualified mortgages must meet certain standards set forth by the Dodd Frank act such as no risky loan features such as balloon payments, debt to income (DTI) can't exceed 43%, no excessive upfront costs and fees and no loan terms longer than 30 years.Many loans are sold to the government-sponsored enterprises Fannie Mae and Freddie Mac or other aggregators, which can repackage the loans as mortgage-backed securities, or MBS, or hold them on their own books and collect the interest from borrowers.Non-qualified mortgages are written by lenders who may use part of Fannie Mae and Freddie Mac underwriting standards but they have their own underwriting standards which is why some non-qualified lenders will write loans for self employed people who have less than 2 years of self employment.

An attractive enterprise for folks living in markets like Portland.

Offering referrals and testimonials after successful transactions can further incentivize agents, demonstrating appreciation for their hard work and aiding in their business growth.Lastly, respecting the agent’s expertise and treating them as equal partners can solidify a productive and enduring professional relationship, making the investor a preferred client for top real estate agents."

We've been trying to alert people to this mess for nearly a year now and people are still drinking the Kool Aid.

Its really semantics there is no need to spend countless hours in paralysis analysis over the two they are just a formula to aid in your process. 

Offering referrals and testimonials after successful transactions can further incentivize agents, demonstrating appreciation for their hard work and aiding in their business growth.

In your shoes, the first thing I would determine is whether my partner really should - and wants to - be a partner in the enterprise. 

Right now, I am looking for someone to aid in the partial release for a parcel from my mortgage which I had subdivided, so that I have the option to build there some time in the future.

Are each of you bringing key components to the enterprise other than capital?