This approach to marketing is exactly why my firm has grown over the past few years.

Some firms which hold the assets have strict internal guidelines which dictate no principal forgiveness.

especially certain firms.  

But it is also important for many reasons to set firm, unyielding criteria.

As far as Tampa there is a lot of money going into downtown thanks to Jeff Vinik who owes the local NHL team and 24 acres downtown, channelside( outdoor mall) and now word is one of Bill Gates investment firms suppose to invest another billion.

I felt very prepared when I took the state and federal exams.One thing your girlfriend should do is look around for a brokerage firm where she may want to "hang her shingle," most of them offer a discount to ProSchools.Good luck.

(Sometimes I get this weird desire to sit in a room full of people that are so eager to do what I'm already doing).

Recall on your hud, commissiocommission is made to the firm, not the agent. 

Before then, I worked in the multifamily industry in leasing and property management with A+ properties.I am eager to begin the real estate investing journey, starting out in wholesaling.

Be firm, but fair.