@Elena Jobsonand @Alex Frankssorry if my use of the word druggie was offensive.  

@Skip ReathYour house rules should outline procedures, for example, first offense = a warning, second offense, = $150 fine and so on.

As long as I'm not intending to be offensive, why worry about ticking them off or embarrassing them? 

CR review:  look for 30,60,90 lates - - this is real life for this prospect (should be none for 6 mo)look at collections - - how far back is the NEWEST onewhat kinds of accounts are being stiffed - - utilities, cellphones (ouch).Look at Public Records for the codes which you can look up for the offense.

Not to be offensive, but you say "I'm afraid of wasting time," but if you keep just education yourself without taking any step, then you will ended up doing what you are afraid of.

No offense, she is terrific, but zero business experience.You have a lot to bring to the table.  

@Joel FlorekNo offense taken at all, thank you.

You'll find more challenges on that than you will on the "Produce the Note" offense that borrowers have tried over the years with limited success.I'm taking an excerpt from a law school publication on the subject:https://www.brooklaw.edu/newsandevents/news/2013/~...

And, no offense meant to any of you, but I didn't really get an answer to either of my questions: whether it's worth being trained by a brokerage; and, if it is worth going through them, how to write my resume and cover letter since my job experience hasn't been in line with a sales or marketing job. 

Similarly, some brokers can take offense, though one of my better local buyers is a broker.