Knowledge, skills, and abilities:1.

The good thing is, the car business helps you develop the #1 SKILL you need in this business - TALKING TO PEOPLE; finding out their needs, explaining how you can solve their problems, etc.  

That doesn't sound like a problem for you.So, you really might be missing opportunities however, as the seasoned investor that you say you are, you ought to be up to the task of learning new skills (probate) in order to be of more service to the people you market to. 

I would advise being careful about filtering the responses and prudent security measures, but I think it's a great forum for connecting work to be done to skilled workers.  

A weekend job or an evening job could help erase your credit card debt and then add good money to your pocket.Inventory your skills and abilities and see how you can leverage them.For instance, my ex cleans houses after work and on weekends.

Arlene, let me know what you are looking for.I want to try various non-guru models to see if it is possible to "pay it forward" or if the gurus are correct in charging everything upfront regardless of the results the students get.Send me a PM so that I may assess your skill-set.

Most of us need banks because we have not cultivated our fund-raising skills and have not learned and mastered the securities framework which allow us to raise money without banks' silly underwriting requirements.

Your sheet "may" lead to paralysis by analysis for your buyers - understand your buyers may be artists and less is more....in fact - I find less is more until they ask.Like anything - you are prob. not going to close the deal with one sheet - so give them a good solid overview that will get them to call you back - once that happens you can find out what they need.But hey - that is one impressive spreadsheet - really - that it a skill I just don't have!

If the bank thinks they can come after your friend for the shortage, they may be more interested in going to foreclosure and seeking a deficiency judgment.But, let me get this right.

If he never loses money, what incentive does he have to improve his estimating skills or his honesty when it comes to bidding jobs.