Your testimonial carries weight with me and you say some great things about these guys.

Additional thoughts:Instead of making a single influence category, we break the system into different weighted categories to calculate an overall score that is simply on a 0-100 scale.This could take into account things like: a) votes, b) some average pertaining to the number of times/categories the user is deemed an expert in c) contributions to the site (inviting members, posting, participating, sharing) d) trailing time period activity level (eg 1 month), e) testimonials, f) negative factors (violating the rules, spam, times a user is flagged by other members or some other negative 'handicap')So, the most "influential" members would have a score closer to 100, while the least would be closer to zero.

In PA, you again will need to weight the balance of paying attorney's fees.

You have to give them a solid plan for how you will pay them back and they won't be likely to put much weight into the money from your family.

However, there are definitely good ones and if you find a good one, they are worth their weight in gold.

Rick,First off I must say I am not experienced in this so don't take my input as equal weight compared to others in this thread.

I'm looking at a very similar REO deal ($10K/unit after rehab, weighted average rents of $425/mth), but have had zero luck finding a bank lender for the purchase.

Weighted average yield to maturity Weighted average return at par Weighted average collateral to discounts Loan loss reserves to capital Doubtful accounts and collections expenses This analysis is required in order to meet our portfolio goals as well as to submit any bid for the classified loans offered.

This website is worth its weight in gold as long as you keep active on it.

True story-I asked the question about 100 times and got hung up on 99 times until the 100th person said, "I would be willing to write a check for $20k to get rid of this dead weight."