Assuming, and this is a critical assumption, that that price represented a fair market value back then, this implies a current value around $100,000.

The bull camp will suggest that the majority of the tightness in silver is the result of implied or investment demand but as long as the investors want to hold that supply, the physical users will have to bid for that supply.

Your tone implies you're throwing the blame on companies like mine for "higher costs".

Just a word of caution...As implied, you are trading something of value in return for referrals---this could be construed as a RESPA violation if framed in the right light...You are better to pay referral fees for the hard money references, as hard money is construed as temporary financing and not covered by the RESPA guidelines.

By referring to it as a "deposit" it is implied that it is potentially refundable to the tenant. 

Far from it.The OP wants to imply that the girlfriend's kid, who works at Subway PART TIME!!!! 

I am not spending my marketing budget on illogical methods, Sorry @Omar Ruiz I didn't mean to imply you were.

On things like this with implied approval - need to be clear and preface every answer with - 'well, if it works out and you are approved...'   

I also find folks that get some formal training but don’t go the full distance with that trainer.

If anything me acknowledging it will negatively impact my DTI implies I'm already aware of that.I'm not sure where the math class on calculating DTI came from but I already understood all of that.