That why the resources on BP and across the web are so important for newbies such as myself to utilize and to always keep learning your craft.  

I grabbed the domain name SMPTX.COM because it was available and one thing I learned over 15 years of web design is that short names sometimes get grabbed quick. 

Do not spin a web if you do not want to get caught in it.  

Given the size of property you are looking at there are many real estate web sites (e.g.

I've found differing perspectives on the web from the 45-50% you mention to more conservative estimates such as 36% or even lower.So do you think the major large bank lenders would be okay going to 40-45% as well, or is it better to try to build relationships with smaller regional banks/CUs once the DTI gets high?

Do you have any references and such on the web I can use as a template to follow?

Depending on the situation, an experienced builder can do a couple web searches, and visit the site and give you a good idea of what can be done in an hour or two.

Whitson Gordon (non BP Member)Pros: Basic is free with 60 MB of new uploads per month and sync across 2 devices Cons:Not designed for real estate Cost: $34.99 for Plus with 1 GB of new uploads per month with synch across all devices $69.99 for Premium with 10 GB of new uploads per month with synch across all devices and more featuresTrello - A Trello board is basically a web page containing lists laid out horizontally on the page so you can get a bird's eye view of your project.

And they sell all of theirs organically....Also in this particular case the RE agent here that posted this sent me a link to the sellers web site and the seller is a turn key operator in Memphis and says on his website he has been doing it since 71,, is a former University Quarterback etc.. so I am sure our Memphis friends know himI suspect this guy was just looking for some additional marketing that did not cost him anything up front and pay for performance.

I'm pretty nervous because there's tons of horror stories on the web about Ocwen (saying the payment wasn't sent in when it was, and many other mistakes).