Yes investors are great CLIENTS, but lousy CUSTOMERS-refering to my states agency discussion.

I always get, and advise my clients to get an inspection.

So for what it is worth with those provisos:IF your client can fit ALL of the following there may be loans out there:1) 65% LTV2) Preferably this is a ** Seasoned ** REFI that is "Rate and Term".

Personally, I don't care how "professional" our relationship is, I wouldn't risk my license by giving a client a lockbox combo.

My clients have not accumulated much in HSA plans yet.

The Dr 'needs' 240k/year to live off of (which means withdrawals of 300k-350k from a retirement account) while the engineer needs 60k.I had a morning meeting with a client (late 60s) who fell out of his chair when we told him that in a couple of years when he is forced to start withdrawing from his IRA that his yearly income would be 100k.

That is a good point Brandon & is what I advise clients to do.

In the past they have said it was for the appraisal, so this time around I stated they needed to provide us with a copy of the appraisal if the client/realtor are paying for it.

Thanks for all of your advises, it turns out this agent is in the middle of quitting (or being fired) from the current broker and getting in to another; he has been sitting on doc for over 3 weeks (mostly basic REO disclosures that needed to be signed and return to selling agent) that he didn’t know how to pull them out of Windforms (Realtor Online Contract data base); asked seller’s agent questions about them over and over; lack of REO knowledge (REO Specialist printed on his card) and couldn’t care less for his last few clients…Relayed the facts above (with a little help from the selling agent) in addition to the tangible misled evident to my agent’s boss and got only 18 moths worth HOA fee ($810) credited.Yes, another rookie’s lesson learn; just didn’t think he would be that much out of line for a major issue like such; considering he’s a 72 year old guy with shallow ethic.

If I recall correctly you are required to use a longer depreciation method (ADS depreciation) for foreign property.Hope this helps.