we are taking on more risk, and so we need to follow much more stringent guidelines for those loans.

I just followed you. 

But then the govt started busting people for not following KYC / AML laws so I said "F this"(on the bright side, last year I decided to bring up my old wallet. 

I’d say say it’s all in the repeat mailings and following up on warm leads and mailings that are returned.

You could reach out to the seller directly, having your agent do it might not be a good idea, your agent has ethics guidelines to follow, and the listing agent could get upset.

So, to portray yourself as a serious investor who can close on deals, here are a few options:Pay them a consulting feeTake them out for coffeeVisit their recent sales and tell them what you do and don't like about the properties as it relates to your ideal investmentProvide them with information on how you will fund a dealConstant follow-up: whenever you perform a task that brings you closer to completing a deal

The deduction follows the use of the money.

Or worse, like I described above, he has pushed the limits past that genius line into crook territory.

Now, we write up simple contracts that have several milestone payments (most GC's ask for only 2 or 3 but we push for 4 or 5) as well as a early completion bonus and daily penalty if the completion date is not met.

search=Proverbs+1&version=KJV(Disclaimer, I have a man crush for Christ, I am biased being that I feel I have been blessed beyond anything I deserve.)If you read Proverbs (short read) and feel it was of value mention it and I will follow up with another one of my favorites.