If you are organized enough to forsee hang ups and talk with your GC about potential challenges on a regular basis, two brains are better than one.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

I think it's going to be location specific for sure; where I am very few people hang out in the house all day long as they are usually busy hitting the parks and attractions. 

Once you feel like you've gotten the hang of the numbers, start putting offers in that make sense.

One of their so called instructors from one of the training sessions asks the students to go to the five star hotels, or go play golf, or go horse riding, or go hang out at the high end night clubs for the sake of fund raising.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

The BEST lenders I have ever worked with (as a borrower) are, as you say, quick to respond, reliable, honest, and never leave me hanging. 

I have about 30k right now mostly in a HYSA and am planning to just hang on, I afford everything with my salary and roommates.