A true hard money lender is loaning on the property, not the individual so if your deal is straight the money should be there. 

So any responses you receive here will never be a true apples-to-apples comparison.I will admit, this advice is a little self-serving since I am a CPA myself.

If you did proper deal analysis you would know your TRUE expenses and income and could calculate your cash flow.

This is true whether you are an investor or an agent.  

They complete the form and fax it directly back to me.It's true, this is NOT an automated system and IMO, should not be. 

Good simple explanation and example of RUBS.http://www.accurateutility.com/rubs.htmlThe beauty of moving to RUBS is the "forced appreciation" w/this move.  

I have a beautiful wife & 3 small ones under 4 yrs old.  

It almost sounds too good to be true, but then again I'm new to this.

Also thanks for invite to the meet up, we'll see if I can change my Tuesday's schedule to make it.I live in Lincoln Park, beautiful area and a bit too expensive to start.I was looking at condos in uptown, single family homes in Belmont Cragin area.

I spoke with a bank the other day about getting a HELOC for a renovation and they said that I need to live in the home while it is being renovated and it needs to be livable so I can not remodel the kitchen, can anyone tell me if this is true?