Not will be called but could be called.So an all cash payoff within 6 months or so (fast) versus a long hold (slow 36 month plus) is strongly advisable. 

In today’s declining market, is anyone finding more success with referral fees versus actual wholesaling?

I’m willing to bet the board becomes very willing to negotiate.

What are your thoughts on HELOC versus FHA?  

If they're there you can bet they'll take the note down - once you observe the note gone you know they got it and are alive and kicking. 

After I would get my own tenants in there I bet it would cash flow more.

My favorite business book: Thinking in Bets by Annie DukeMy favorite real estate related book: The Book on Estimating Rehab Costs, J ScottMy hobbies & interests: Reading, writing, learning, HIMYM, Parks & Rec, New Girl, cocktail bars, museums, botanical gardensWhere people can find out more about me: I’m not a heavy user of social media, but responsive to email and LinkedIn and messages here.Looking forward to connecting!

I'd be willing to bet my old boss still never got paid.

Local banks and CUs are your best bet, @Darlington Agu.

I may have a potential business partner to work with - someone who is better at cut and dry facts versus my creative vision.