@Hal Thompson No idea, I know nothing about Colorado laws.  

Anyone have any knowledge of the neighborhood with the street name Hal St NW?

@David KosiorekRob Griffin or Michelle Yang.

@Xiang Yang I use Tommy Schlosser with Amfam in Marietta.

@Frank Yang thank you.  

@Hal Cranmer,You have an exceptional idea.

After MUCH effort I found an attorney in Charlotte by the name of Hal Berger of Berger & Kindberg Law, PA.

Right now my roster reads something like thisHow to Win Friends and Influence People by Dale Carnegie (I very highly recommend it; its spectacular)The Miracle Morning by Hal Elrod (heard about it on the BP podcast)The Classical Liberal Arts of Trivium, an anthology compiled by John MartineauRich Dad, Poor Dad (again) by Robert KiyosakiThe Book on Investing with No (and Low) Money Down by Brandon Turner.This is a little bit more than I usually tackle at once; I like to keep my reading more focused, but all of these books are very interesting and most are pretty easy to read. 

If your borrower is undercapitalized or inexperienced, @Frank Yang , then you have a bigger problem with your underwriting.

A good book for this is The Miracle Morning by Hal Elrod.