"Commercial loans" - In the lending world a commercial loan can refer to a property with 5+ units, so portfolio or Non QM is a slightly more accurate term.

We were referred to a broker by our agent who wasn't doing a good job at all.  

Sometimes referred to as "commercial" loans.

As for the Scruggs reference - I am familiar.  

Income, previous LL reference, employment check.

They were referred to me from another Investor page.  

https://www.biggerpockets.com/...This is what we tend to refer to around here.

The Triad refers to Greensboro-Winston Salem-High Point, which is a less hot market at the moment, much weaker (but still okay) in terms of employment and demographic trends.

Hi, @Jason MalabuteYou didn't include the column headers in your pic, so it's a little hard to tell specifically what you are referring to, but some general notes.I think you are talking about the overall net-migration over 10 years vs the acceleration/deceleration in change of net migration.

The court case you are referring to happened in late 2017 and the precedent is that if you collect things like last month's rent it needs to be help the same as security deposit and is considered security deposit.