I assume you are in favor of the government using its power to ensure that large companies don't achieve monopolies and then use their status to gouge consumers and keep competitors out of the marketplace...that's straight out of Keynesian economics.

Hey Slavik,Here's some more info for you.Here's a link where it's discussed at length:http://www.biggerpockets.com/forums/52/topics/17612-where-does-the-5-rule-come-from-...but here's the gist of it: it's a rule of thumb that says that if you take your gross rent - that is maximum possible rent w/ no vacancies - then over time your expenses will consume about 50% of that amount.Expenses are everything except the principal and interest portion of your mortgage, but including vacancy.It's just an average over many properties over many years.

Of course, hard money loans to consumers was still possible although legislation and abuses ultimately eliminated hard money as a money source for homeowners in a pinch.My original mentor, Mike Quaid, owner of Cal-West Home Loan and Fullerton Investment, knew people and taught me the art of 'undressing' the prospective borrower.

I'm starting to find out how time consuming it is working my list of prospects when it comes to finding out their physical address and researching the property on google maps and redfin.

Bringing in 67 homes will be expensive and time consuming.

In fact, even talking about terms like interest rates with your buyer is what starts the ball rolling as extending consumer credit.

I could bring in an 18 wheeler and a dozer and make the house disappear for a bit over 10k but a gut to get ready to remodel can be more time consuming than you think.

First time setting up all the accounts and attaching them to your hootesuite account is the most time consuming but it is time well spent.

But with the fees to the consumer, like all payments, it is negotiable. 

As glorious as they are, HELOCs are a direct to consumer product to strengthen or create depository relationships.