@Roy Oliphant, -Good morning and thank you sincerely for your comment.

She uses this information to write as personalized and sincere of a letter to try to connect with the home owner to make us stand out from other investors and try to make them feel comfortable reaching out to us.

As a previous poster said if you are squeezing an extra $5k out of a military wife with nowhere else to turn, choose not to.I sincerely applaud your honesty and your introspection.  

@Rance Brown  what is your NMLS # and your state of Oregon License number its not on your website.not sure what your fishing for as you guys appear to be a very experince Hard money lending company.there is only so many ways to lend money in the naked city and I am sure you know them all, why ask that question here  LOL...But if your question is sincere and not just phishing.what borrowers in your lending area are needing is really very simple and I am sure you already know this.1. cheaper rates... there is price compression on rates ..

Any advice is sincerely appreciated.

cheers to all the information we may soak up from bp. newbie here too. just wished to introduce myself. formerly from washington, dc, i'm just getting started in the staging arena in california and i'm looking to make some connections as well. thanks and sincerely, sydney

I purchased the property for $337,500 with $7,500 back for seller credit to do a temporary buydown for my rate (since rates are currently high in the market currently), which I will then VA Streamline IRRRL once rates come down in a year or two.

Since "rate" is a very general word, it is not clear just what you want to calculate.Certainly we understand that the Note 'Interest Rate' does not actually change.  

When I wrote this I was commuting/driving roughly 25K miles a year so a newer car would've been nice, but I do not need it.Dylan: I am a home owner but have since rented that house out to be closer to work.

I've since re-read my docs and do not see any such "cause we felt like it" clause...