That said, I only do simple secured (sometimes unsecured) notes.

That typically and almost always amounts to negative cash flow.

I get so tired of hearing, "I only spent 4 hours on that deal and make $5K.

I on the other hand am like "So you, an architect, and he, an experienced GC, felt that the house was in better condition than *I* did?

I often wonder why people cant put the negative effort into positive things.

The question is how much..I'm currently negative cash flow on it to the tune of .... a "G".. including property taxes and HOA; I bought it with no money down back in 2005, and refinanced a year later.

Eric Barnes I only know about regular financing, what you would get from a mortgage broker / loan officer.

I hope you didn't take my post negatively as I didn't intend it that way.its a 3br/1b 968sf built in 1954. no central h/a, but that doesn't make it the outcast of the neighborhood ;) .

And "we can help you avoid any negative consequences".

I can say the success rate of a letter would be very low, may even leave a negative impression, I'd toss it in the trash, that's just not the way it's done. :)