And postcards can be more vivid and professional in appearance, and easily read without opening.Letters can generate more calls per piece than postcards, but probably not a lower cost per call.  

I hope that your ventures will successfully expand your retirement years into more of an ease.

Would easily agree every lender can be different, but underwriting is more strict on commercial loans and my loan was non-recourse personally and w/o personal credit requirements - - which I question the apples :)

To be honest, that 4 bedroom could easily be turned into 2 large 2 bedroom 1 bath units (there are already 2 baths and the plumbing is in place for another kitchen.Here's the thing.

My guess is you can probably get 2-5 more points easily and that in itself will be a game changer but it will take some time.2.

I have spoke to a lot of lenders over the last year or so and most of them have told me i can't do what i have easily found after reaching out to people on here like yourself. 

I'm looking to find market trends in my local area so I can easily determine housing price fluctuations. 

One could easily argue that California is actually more risky because of price fluctuations. 

My hopes are to expand my business through this forum.

I currently help find investment and development deals for my partners clients, but I'm looking to grow and expand my business as well.