Not sure why the disparity but I personally believe it is because most who pay for coaching are not strong enough in the 2 areas I referenced.Good luck

In that case, yes, build a relationship with the gym and refer your guests for all sorts of classes and personal training.  

Does someone know how it works with the 5 person podio team? 

We personally don't close on properties unless they are vacant at close.Ask yourself, "What is the worst that could happen in this situation?

Personal excel sheet?

If I had not done this and then let the tree fall on my home, then I could sue for negligence on their part but I'm not that type of person.

Unfortunately, many landlords are hesitant to rent to these migrants due to their circumstances.Given our personal connection to this issue, my aunt and I believe we can make a positive impact by providing housing for these migrants.

The chances of you quitting your 9-5 and doing real estate full time and being successful is similar to the photo below where everyone at the top in the crowd is thinking they can do it, and there is one person for every few thousand that can do it. 

I personally own properties in the counties of Orange, Los Angeles, Riverside and Kern.

You're income certainly isn't "normal" and some banks might shy away but this is a personal business and if you have a track record, I think you can find a bank to say yes.