WE get our spec loans from local community banks that specialize in lending to business's in the community.. they are not retail banks they are not looking to amass huge small time checking deposits..

Can you arrange for counters, floors, painting other “basics” without him tacking on his 20%?

Basically impossible with that many lots.  

it was an interesting process but basically, the novation allowed us to get the deal done without having to involve the banks. this was a huge motivation. that way I save on having to close twice. 

It's the basic formula for selling an online course that teaches you nothing you cannot learn on your own.

It would be the same basic line of work so there will be continuance there regardless.

I'm feeling most drawn to a buy and hold rental investing strategy and like the idea of the BRRRR strategy in tandem with VA loans, basically refinancing VA loan backed mortgages to conventional loans once there is 20% equity in the home.

Basically they'll come up with reasons as to why the "guarantee" doesn't apply to your situation. 

It’s basically spam email for phone calls.

I'm currently in the market for a Tax Pro that can assist with my relatively basic returns and continue to assist with a tax strategy moving forward.