Just fostering creative conversation.  

You train the contractors, partners or employees what you expect and it's is quick and repeatable.

Generally, low income earners get cut (you would think they should cut the Fat first, but that's not true), especially whom a business has no dependency on and can either increase the workload on the remaining employees or automate.

Originally posted by @Dave Foster:@Jack B.

Local charities - foster kids, veterans groups etc. how long ahead might this take to fill?

Also, you would think that the county office employees would be helpful, but in many cases they don't know what is going on, and the ones who do, are reluctant at best.

I had someone from the company reach out and was wondering if anyone had any feedback.ThanksDan Foster

Solomon,I started working for a local developer doing single-family flips & new construction, and now work for a multifamily syndicator founded by previous Pinnacle employees- small world!

@Dave Foster may have insights to offer...

Non cash add backs make your income look better and count as a tax deduction so its the best of both worlds.You may keep the earnings or profit as "retained earnings," but its still shown on your tax returns either as 1099, W2, or distrubtion via k1.On the conventional side we add up the 2015 and 2014 totals for 1099/W2/K1's and average them for each individual business, operation, or entity or if the most recent 2015 year is worst then we'll just average 2015 by 12 months to determine your monthly income.This is done for each entity or business or property.As a side note personal contributions from the employee side to your 401k is not counted against you but the employer contribution is so when you're doing your tax planning with your accountant you may want to shift or strategically plan this accordingly depending on what income you want to show on the lending end.Hope that helps.