Am I able to pay off the private lender by refinancing with a bank (considering they are doing these kinds of loans)?

My sources of income are as follows:1) Online poker.

First, be careful about publishing substantial assets online Ozzy.

(I've worked in online web site development and programming for 20 yrs, but it's getting a little old and doesn't pay as well as it used to.)

For what it's worth here are my observations.........1- 80% of the information on investing in real estate being sold ranges from totally worthless to incorrect and or possibly illegal2- another 10% might work under some circumstances but either the recipient of the information needs a much more educated and experienced background than he is led to believe or the circumstances regarding the success of the method being sold are limited to a certain geographical area or a certain type of market3- the 10% of information that has value requires work, dedication, persistence, education to be used successfully.4- Certain types of individuals can self study utilizing free information available online and learn as much or more as any program or course will teach them5- most gurus are not currently successful using the methods they teach; they may have once been successful in a particular type of market or in a particular location, but they are not currently utilizing the method they teach successfully.

I have found 3 pre forclosures owners online and have sent messages, but wasn't sure if folks had more luck calling, sending letters or new media, which someone like me, is very comfortable.

She also mentioned that when they do come on-line, she gets 2-15 offers the next day.

It notes that the borrowers in the RMBS pools that are "stronger" are able to refinance, and in particular, stronger prime borrowers are refinancing and thus depleting these particular securities of paying customers.

Joel, one thing i did before moving to Atlanta was I refinanced and cashed out of the equity of the home at 4.25% 30 year fixed up to 80%.

On your flip if cash and HML is used then you are done with conventional when you are done refinancing your buy and holds.Don't know how bank lines of credit are available in your area but this is the best source of short-term capital if you have the equity.