We are unable to meet our financial goals.I don't usually speak ill of anybody but we decided we needed to make an exception.So be forewarned, fellow investors - there are disgusting people out there, running predatory companies with zero ethics - that will prey on investors and mistreat them in the name of "PRIVATE" lenders, right here in the United States!!

What I ultimately decided on after speaking with many people in the business and bank customer representatives was to make a savings account for each deposit.

I have already had the pleasure of speaking with a few of you from Atlantic Canada here on bigger pockets. perhaps we can use this thread or create one to help with current issues problems or solutions to issues and challenges we face thoughts? 

You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML? 

Ask to speak with some of their current owners and current/former tenants.

And when I speak with people (or write on my blog) I'm always VERY transparent about the unique challenges of the market there.

Typically speaking we leave out front/side exterior photos on every listing, regardless of grandeur.Years ago there was a rash of thefts in South Florida where people were finding houses based on map and exterior photos and breaking in when vacant and clearing them out. 

Quote from @JD Martin: I can't speak to rates - I think eventually they come down out of sheer necessity - but as far as the economy we must be living in an insulated bubble up here in Northeast Tennessee; no one has bothered telling us the economy is bad.

However, speaking from personal experience, if you are positive and work your *** off to improve your luck, you are going to be much luckier than those naysayers.So happy for you!

Quote from @Keith Ludwig: Hello all, can we all get on a conference call or text to speak about Teshaw?