With regard to bird-dogging. the "Real Estate Act of 2000" in Illinois, talks of words like "customer" versus "client" etc. and, talks of "activities not rising to the level of 'agency' or brokerage".

Check with your mayor's office, bureau of consumer affairs or something like that, or the state level too.

:welcome: Hi,The average 30-year FRM and 5/1 ARM both declined by two basis points to close at 6.33% and 6.12% respectively.Though it was expected that inflation could be restrained within acceptable limits in the coming months, levels are still high and are not proceeding along predictable lines.

We are paying 20% annual interest.We are very experienced contractors and an MBA and credit scores are in upper 700's.

We are very experienced contractors and an MBA and credit scores are in upper 700's.

Slower economic growth and weaker employment levels can help in containing inflation.

I would have the upper hand on a lot of local realtors.

The people I attract are "payment buyers" so I know going in there will be a certain level of fallout.

I have been lurking this forum for the past few weeks and am amaized at the level of information and resources available.

Alot of this does depend on your age (level of risk/opportunity) and banking connections.