However, assuming you give your personal guarantee which you almost assuredly will, it does not lesson your debt to income ratio on the next full doc loan you go to get. 

They just want to make sure if the client is qualified and how much can they qualify just to assure the legitimacy of the client, so that they don't waste too much time on it.

From taxation perspective, you will have more tax compliance fees with partnership.

However, I assure you that handing over cash for keys would hurt my ego and pride more than it would hurt my bank account, Screening is not limited to public information.

An extra EM deposit could provide them with some assurance and comfort, helping you reach a mutually beneficial agreement.

@Rhandell Mitchell  watch thishttps://youtu.be/9fi54S8nwUAAfter several conversations with the compliance officer at the Division, they are still a bit vague, but firm on the "for a fee, for another" language.

You should talk to a real estate attorney that works with investors in your area to ensure you are in compliance with any laws.

If you want absolute assurance the lender won't find out about your sub to deal and call the loan, then don't buy subject to.

eXp requires new agents work with a Mentor on your 1st 3 transactions and of course your Broker reviews contracts and ensures compliance, etc.  

I want someone to hold my hand... and assure me getting into this is the right move.