I grew up in the Pasadena area and my grandparents lived in Fresno (my grandfather was a cotton broker), thus, we would always stop in Bakersfield because it was the half way point.

I think what gets me going with DHM  is just their model is one of being rewarded with loan failures and basically targeting new investors who will have a super hard time finding anything that meets their underwriting criteria.I mean its really simple logic 0n that front.. folks looking for 100% financing are one's with limited capital limited experience and they just are not going to find the smokin deals that DHM wants to fund.and frankly I can't blame DHM I would want best coverage possible because of the high risk borrower.. but to charge for failure I don't cotton to that I think its morally and ethically beneath a for real lender.

Am I getting the wool pulled over my eyes or just not understanding how the process works?

Didn't realize I left out the period (it makes a significant difference lol).I just realized the original article didn't link, so here it is, @Britton Cotton  and @Oscar Porter:https://www.linkedin.com/pulse/expedia-buys-homeaway-39-billion-what-does-mean-andrew-mcconnell?

Wholesaling real estate is like wiping your a_s with a cotton ball, you're going to get sh_t on your fingers. 

I highly suggest you use a 70/30 cotton/poly blend sheet (or there abouts) in a Percale weave.

Low crime rate but is a lower income area and old cotton mill town. 

Make sure you stick the wool in one of the quart cans with a fair amount of paint thinner inside so it doesnt harden.

Teach your own kids how to grow cotton and sew their own clothes, but let other parents do as they please when it comes to their kid's education.

OU game at the Cotton Bowl.