This is our first one, in an HOA environment also.  

We maintain that licence by working within the expected norms of those in the environment. 

Everything stated in the post above happens on a regular basis every day here...which is probably why there are so many "out of state", and "out of country" investors investing here.The 80% refi I spoke of, is what we use.The Cash Flow I gave you, is the minimum we will move forward with...and I'm living in a target rich environment.  

@Ryan Melton   building a data base of would be targets and then staying on them is an excellent way to go at least you know your fishing in a pond that has some fish in it.

@Ryan Dossey I think suit & tie are a thing of the past for the REI buisness, unless you are going to a business function, or your work environment requires dress up like a mortgage manager in a bank.Covering up tattoos is a smart move of yours. overtime, when the client knows you further.Then  It may turn into an art.

Very common in rental environments.

Great for the environment and the walletGino

Once upon a time, I worked in real estate/construction law, and in my previous job, I blogged for a homebuilder and often wrote about the real estate environment.

My habits identify me as a computer nerd, but I still have a love for the outdoors, fishing and scuba diving.

I prefer to share in public forums more of what I know and less exactly where and how I am learning and using it because the political environment is so ultra crazy in  San Francisco.