Create columns for Name, Street Address, City, State, Zip and then contact info: Last Contact, Relationship, Status, Email & Phone.IMPORTANT: do NOT ask people for THEIR business, ask for referrals!

I love the flexibility to be able to do what I need to do for my business and my investing and have always had a great experience. 

The pension amount at age 39 is not enough for me to feel comfortable, so my long-term plans are to start a small business and invest in real estate to position myself where I don't even need my pension, and it's just a bonus.

But yes, those greedy bastards can't help themselves to other peoples business can they? 

Interesting to hear about your business model!

In the end I think I'll sell them all, take the cash to invest in one business and be done. 

My commercial clients have still been busy over the last couple years. 

I get busy, figure I'll hear back, but finally email her 5/16(yeah, too long, but my area has an IRS disaster relief allow returns delayed till mid June).

Thank you for your insights and for pointing me to resources that should be reviewed so I can build a model in Excel to evaluate this decision. 

The best we can do is to share our experience and drive business to the Lenders who operate with integrity and make it a win win