I’ve actually been looking into reporting to credit agencies just because it seems like a win win for me and the tenants, it encourages them to pay so they don’t hurt their credit and helps their credit when they do pay.

I actually contact Brightway and they have given me the most competitive quote!

I am a licensed agent in Texas and I actually provide real estate investors with knowledge and resources that will really help when you're getting started.

This actually ended up turning into a good deal...hopefully.

Please keep in mind that all the above is what I gleaned from some classes I recently took on land trusts, and not from my having actually made such an ownership transfer.

I didn’t even have an LLC until I got to 22-units and only then because I was getting into commercial buys.I had the umbrella until then and actually for a few years after.  

I’m actually concerned about the part wheee you took pictures of sleeping people and confronted your guests later.

As compared to today, the former process was more like crafting a fine piece of handmade furniture, instead of buying something at Ikea. 

Don't submit the bank statements to underwriting unless you actually need them to close the deal however, as it can cause additional steps in the process for you and your client (if an underwriter sees money moving around, it can cause you to have to paper-trail the funds back to their source, which often isn't a lot of fun).If you haven't completed a loan application, start there.   

Actually went today and talked with a loan officer friend of mine who does helocs, I can pull 80k for 700 a month with a 2500$ origination fee.