I am an agent with a very large carrier (think about Marlin Perkins from Wild Kingdom :) and this FHA insured loan is the only loan for which I originate.  

You can also go to local meet-ups and there is one in Grandville, second Monday of every month, 6-8pm at 44th st Buffalo Wild Wings. 

Welcome to the wild world of investing.

There's an association in Grand Rapids where you can connect with others at two events-- a weekly breakfast meeting at Cheshire Grill on Friday mornings at 8 a.m. and a monthly event on the 2nd Monday of the month at Buffalo Wild Wings in Wyoming on 28th St. at 6 p.m. 

Bottom line, you may not get the variance and there goes your 9 ladies in waiting. 

Can you call them up and say "oh hey ladies, sorry, there's gonna be no heat for a week, i messed up, but I will work on it when I can ok" and to then go weeks without heat.

I recently met with a local lady that was scammed by one of these frauds.

When explaining to them this strategy they didn't understand and actually got the HR lady involved and she assured them that taxes were being taken out of my paycheck every two weeks.

Hello ladies and and gents.

We bought a few short sales post crash and it was kind of the wild west in terms of what the banks would do on any given day.