My wife is more risk adverse than I am, and I'm pretty risk adverse myself and don't want to leverage my home (valued around 275k).  

So if you end up joining one that you don't necessarily feel comfortable with you will have a difficult time getting out of your comfort zone, where adversely if you feel comfortable you will have a much easier time taking that next step and it is all about getting out of your comfort zone! 

But being super conservative and risk adverse, it wasn't until I found BP and "the Best REI advice ever" podcast that I became confident enough to take the plunge. 

We rehabbed a personal home while we were in college together and rent that one out currently.Also, we're not totally adverse to renting this property out later, it would go for 800-850 in this neighborhood.

Criteria may look something like this:Credit Score: Approve >650, Fail <600, Conditional Approval =600-650Delinquent Accounts: Fail >30%< ApproveIncome to Rent Ratio: Fail <2:1, Approve >3:1, Conditional Approval =2:1-3:1Eviction: Eviction record found within 7 years =FailCriminal: Felony=Fail, Misdemeanor=Conditional ApprovalIf the applicant doesn't meet your screening criteria, you should deny them and send an Adverse Action Notice.

Whether legal or not or discrimination or not, it IS an ADVERSE outcome for the applicant.

It's a complex situation, but as a minor partner, the major partners have asked that the loan not be paid as a lump sum since it would have an adverse affect on operating capital.

On one property that I'm familiar with the title company won't insure a tax sale that is from 19 years ago, because the statute here for adverse possession is 21 years, so the want the tax sale to be 21 years old before they will issue title insurance.Real estate agents are not title experts, maybe 1 in 1,000.

. :)Why not just stay with the initial purchase and take care of her risk adverse nature, providing her guarantees, she probably wants a sweater deal to accept her perceived risk.

Are they not offering me the paperwork that offer hard money lenders do, or is Fannie Mae adverse to these types of loans?