The other 85% should use a broker because he can find you programs the banks don't even offer and lenders you can not go direct to only through a broker who have programs you can't get in a bank .

A 625 score is not going to qualify you for the best rates or programs available so you need to go in with your eyes wide open.Good luck and yes there is money to made in RE it takes work and effort just like anything else in life.

I am in CT....We also have a residential program in addition to the commercial program.

Maybe try to sell them off to investors in blocks of 3, 5 or 10 or just even to the general public.

Examples include residential Alt-A programs that don't require income verification, loans available to Hispanic homebuyers with Individual Taxpayer Identification Numbers (ITIN) and programs that permit 100% financing.

Are any of these programs good for flipping?

If your client files a ch 13, they would set him up on a repayment program.. if he files the 7, he could wipe out most of the debt free an clear.. however with the new bk laws..

That keeps a running total throughout the year and makes it easy to do my taxes at end of year.Excel is a very easy to use program.

I am going to have advertising going out in a few publications with a circulation of 10M soon.

Has the industry changed so much I wouldn't get anything out of the newest program?