Young people also have bad credit scores because they haven't borrowed. 

I found them first, but they sent me some broker names since they don't deal with borrowers directly.  

And as you know, for investment properties you are not allowed to use borrowed or gifted money as a down payment.

Bill, do you have promissory agreement that allows for additional future borrowings?

The filings will be in the recorder's office where the machine was located (when the loan was made) and you'll find it with the borrower's name.

Borrow the money and pay the interest, use your cash for repairs and holding costs.

It all depends on the strength of the borrower these days.

In my view, the problem lies with demand.Not three hours ago I received a call from someone who wanted to meet and show me his business plan, in anticipation of borrowing money.

Apparently, there is a new rule in California and Washington State that requires lenders to send this stupid letter to any borrower that has not paid their mortgage by the 5th of the month.

Lots of scams for loans specifically targeted at desperate borrowers.