I'm not sure what that means.Thanks again,Steven  Overlays are the banks extra layers and restrictions they add on so no overlays means they not only sell direct to fannie but they dont handicap fannie/freddie's guidelines.Overlays reduces their risk exposure plus overlays is also liquidity because some other buyers of certain quality of fannie/freddie sellable debt like to buy it as well.

BTW, I barely came out of that deal with my big boy shoes still on, but persistence and exposure ended in a settlement with the offending party. 

Lastly, no matter what strategy you use make sure you diversify. your portfolio should have various asset classes as well as geographical exposures, and EVERY deal you do needs to have three exit strategies or DONT DO IT.

A good listing agent should be worth their commission by getting you the best market exposure, best price, and negotiating in your interests while still getting the deal closed.

Geographic areas without high exposure begin working again. 

The liability of such a credible cause of action for libel, (among other such exposures I will not disclose here) increase exponentially as the database gets a greater installation base of users.

I’ll increase my ad exposure.

That deal was my first exposure to wholesaling because the guy we sold it to flipped his contract to another investor-buyer and made a $60k assignment probably with one phone call! 

It would be one thing if we had a $1,000 flower garden underneath the wall, or some exorbitant risk exposure (i.e. falling into the kids sandbox while kids play) but neither looks to be the case here.If he's concerned about cosmetics tell him to plant some pretty flowers ;) In terms of contractors though, you can call someone who does foundations, or a landscape contractor who does retaining walls.

So they wouldn't really have any exposure at that point.