My goal is to support the Black community to become self-sufficient, self-reliant, and self-determinant.

I put the opinion "commissions have always been negotiable" in the same category as Henry Ford's famous statement of "you can have any color Ford you want, as long as it is black."

Just click on thelittle black triangle to the left of the name

It sucks to admit that there wasn't tight oversite on the deal to ferret this out b4 the sale happened and its subsequent consequences and it sucks for your client that they have made, for at least the time being, an investment that is not going to be in the black in the immediate future. 

Federal programs will require you to use GC/licensed folks for a lot of the work and they will get reimbursed by the institution that your loan is with; many GCs don't want to wait on the float time of requesting funds and getting them.Depending on the program and rehab/condition of the home, you may not be required to live in the home (think black mold remediation...bank isn't going to put you in a compromised position) however they may have min/max of when you need to move in.

I wrote this posts about 20 times about a girl who ran away from her home in Japan because her parents were physically abusive.

my last post on this subject.I ran into a small company  6 folks involved  boy friend girl friends  they read rich dad book then went to a guru presentation and learned about wrapping notes which of course is the bizz model your talking about.

Not only am I sorry you lost money but it gives a black eye to us legitimate lenders everywhere.

Just the other day I saw someone had used black sheet rock screws in the hangers on a brand new deck (non-permitted obviously, and not a single lag or any flashing on the ledger board, and they painted it immediately before the pressure treated lumber had even dried out so that’s going to peal in the first year, at about the same time that those sheetrock screws start to rust lol). 

For the most part, the guys and girls at the ground level are still great and focused on what they do!