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Now i have a question regarding when i can use my college degree and job as "proof of two years work" rule: when can i show consistent paystubs where i can be considered for a mortgage loan? 

Easy turnkey deal.

Hi April, Google voice is an easy way to have a 2nd number.

easy street is on here and sponsored BPcon this year they do ground up 

I know of a few who can do it on the Hard Money side, but minimum amounts should be an easy enough conversation.Good luck!

The units are big on multiple floors, and it's not always easy to know if everyone's in for the night or not. 

It's difficult for me to understand the rules when I try to read the actual city codes and ordinances. 

I am on a first name basis with just about all the local inspectors/code enforcement and they are an easy bunch to work with.  

Well, it's easy, they're financial institution, problem with those banks are they are asset baggage holder.they are holding asset that the realtime valuation went down a lot , does not matter it is bond or real estate.if every bank in USA has to use mark-to-market accounting, 100% of bank in US already default by now because they're holding HTM residential bonds or CRE asset that's crashing.But for tech company  we have large cash (that generate 5%) and lower number of employee but create more money per employee than any other industry, thus creating massive investment to the tech sector while real estate and financial is decaying.it's very strange indeed.