Alison Miller - That is great advice, and in fact I've developed my own software to keep track of all my leads and mailings.

Keep Minutes of meetings authorizing members to act in major transactions, such as addressed in the OA.

Amber,Your whole post is irrelevant because you are saying THE SELLER is telling you what the bank said.If you believe the seller is relaying all correct info from the lender you are headed for a disaster.Get the ATR (authorization to release info form) signed by the seller and give ALL LIEN HOLDERS on title a copy.Now you have the ability to talk to the lender or servicer directly and get 100% of the information you need.

and then that leads her to explain to me that the short sale lender is going to have to "approve any changes."

That is the only way to verify any income they have from the business, unless they have a CPA who can supply a certification of income (but the CPA probably did the tax returns anyway).Application isn't processed until it is "complete" - all needed paperwork in hand, and SIGNATURES on permission and authorization forms.

Most applications have this authorization on them.

One of my favorite authors on real estate investing is William Nickerson, who's first book was written over 50 years ago.

Being an entrepreneur is in my family and in my blood.Many people in my family are business owners or inventors.Where some people see SECURITY in a JOB I see restraint and boredom.I have always been a free thinker with an imagination and passion for creating things and learning to do things better.My first business was a car audio business at 19 years of age.I would in the years leading up to that pester this other car audio owner multiple times a week.I learned a lot from him just hanging out.He didn't mind as he knew my dad was killed in a car wreck when I was 16.College is theory and learning from people doing it everyday is real world.The first 2 years of college is just a rehash of stuff you already know.I made straight A's in high school so I already had the discipline and the smarts.After to going to college for awhile me and my other friends just didn't see spending years there when we could grow our businesses.I think college degrees are great if you know the demand for the specific job will be out there when you graduate.People that go to college think about getting into it but do not plan for the exit and the debt involved.College is an investment just like anything else and can be a bad investment if you spend time focused on the wrong majors etc.I do not believe sending kids to college to "figure things out" while they rack up huge student loans that they cannot get rid of through bankruptcy.

The reason I’m asking is there is an authority regulation utility that you need to get in contact with and file a complaint.It would also be time to get a complete copy of the water departments agreement and read it inside and out or find a lawyer that has already fought them over a close issue.With a chain saw, air shovel, and some good clippers I'm sure I could get to it in a few hours of work.

Some styles do lead to problems while other styles are more conservative and prone to success.Time to move on?