I to need to streamline our process we are going to have our apps available online to file out and it will help cut down on a lot of paper work. also we use "mysmartmove" to do our background checks and on there they have the option to pay directly online for the background check that helps weed out the people who aren't very serious.

I work 11 hr shifts. 

It's starting in California now, and I think it'll hit us a year or so later, just like everything else, whether it's economy shifts or fashion trends.

Secondly, using a streamlined operation that offers all services in house gives you more accountability for the asset and keeps the operator engaged and involved through the term of your relationship, this way you are not merely being passed along.

I would never prefer to walk to my car alone at night after a shift.

So, $150k may be tight...Might want to shift your range from $150k-175k to $100k-150k.All that said, that's just my criteria....There are many other hard money lenders out there who may have different criteria.

I work a crazy schedule with a handful of 3:30p-11:30p shifts conveniently placed on days when a lot of the local REIA meetings are held.

Things can shift very quickely.

Via the process that I have experienced, I have learned a great deal and I have attempted to put it down on paper to help streamline the purchase of property.

A shift in mindset from 'I can't afford this.' to 'how can I afford this?'.