Another approach you can take to eliminate risk would be to use a specific type of lease option, a cooperative assignment, which allows you to do deals without risk or cash out of pocket.

I have a few new construction clients right now who are flabbergasted by the quotes they're getting back.When I did build new, I did a ranch style with a walk out basement as it was the most cost effective way for us.I love raised ranches for converting into duplexes.  

That way when you go to refinance the property, your score is not effected by the outstanding balance on the card in the other person's name.  

This will eliminate the possibility that he brings her in under the radar (do drive-bys frequently IMO).Probably best to just walk away and find a reason to deny, but I can't say that's the best thing to do necessarily.

It is very effective at paying for benefits like retirement funds if you want to go that way.  

Most people who overcomplicate it are never going to result in a paycheck for the operator so I eliminated all of those distractions once I took a large slice of my market.What I do with all people who reach out is simple.

If I don't know you, if you send an eMail/text it gets ignored.A phone can be a brutally effective way to cover a lot of ground,Is there something about cold-calling that you don't like?

I don't really have a recommendation for the brand, just go for something that is cost-effective and appropriate for the neighborhood.

Some even eliminate student debt. 

"I'd put that in the same bin with "We need to spend money on infrastructure" braggadocio by politicians to get elected.In effect, it'll prob be like stimulus check for $1B OR got 10 years back - It'll go in the GenFund, and then 80% will go to PERS (aka the budget blackhole).That's the problem is they're a good idea but mostly are "lets cut a check" and don't audit effectiveness.