You don't have to sell the note, and there is no qualifying unless you sell to institutional investors, you sell the future income stream.

Financial institutions that wanted to sell assets into the bank could also perhaps take part of their payment as an equity interest in the aggregator bank to provide an additional cushion.

Too much of it depends on what the institutional guys are doing around here.I missed my $200k income goal this year.

As in if you don't get the loan you expect you aren't getting your deposit back.Do other states and institutions have different forms where you would have to say that you are bringing cash to the table?

Some institutions are great to work with.

Are you actually employed by an institutional lender of some sort, or is this more of a matchmaking role?

Some institutions won't even accept certain money orders for deposit...

Generally, financial institutions would want to view a business plan if you were planning to obtain some sort of financing to display a "future thought process" for planning and experience prior to them lending you funds.

Institutional investors operate differently, but they still do a pass-through.

Instead of getting institutional financing, get seller financing.