I have never had a client sign one.

Have a client who is looking at a townhouse and it is one of three units.

In the case of the son of one of your clients, it may well be that he's speaking of the expenses the way an accountant would do it.

I marketed it out to our normal clients and to some developers as a buildable lot for multi homes.

Yes investors are great CLIENTS, but lousy CUSTOMERS-refering to my states agency discussion.

I always get, and advise my clients to get an inspection.

So for what it is worth with those provisos:IF your client can fit ALL of the following there may be loans out there:1) 65% LTV2) Preferably this is a ** Seasoned ** REFI that is "Rate and Term".

Personally, I don't care how "professional" our relationship is, I wouldn't risk my license by giving a client a lockbox combo.

My clients have not accumulated much in HSA plans yet.

The Dr 'needs' 240k/year to live off of (which means withdrawals of 300k-350k from a retirement account) while the engineer needs 60k.I had a morning meeting with a client (late 60s) who fell out of his chair when we told him that in a couple of years when he is forced to start withdrawing from his IRA that his yearly income would be 100k.