Also, what is your trusted company that handles credit/background checks?

Superior technical support and service in a wide range of areas including phone reception, document processing, and case management.

I can read blog posts by news reporters on some aspect of RE and can tell they don't have a clue, at least they are just telling a story but with a style to influence others.....usually for public consumption.Same with RE investors, mentors, coaches as they get into more technical aspects, the blogs are skewed with opinion presented as factual.

With my background, I am a little hesitant to leave my full blown accounting package and other programs that I use but I may do so starting in 2015 with this one.

I want to move a little faster, especially while interest rates are low.Anyway, that was just a little background.

I specialize in construction, because construction is a large part of my background and knowledge, but I also have several clients who own and manage commercial apartment buildings and strip malls.

If they are interested they can apply and pay for the background checks.

Our backgrounds and situations are very diverse but there may be similarities and/or experiences to learn from.

Then you'll need references, and a background check.

Or is that scenario an impossibility because the $40K overage will technically go into the homeowner's pocket?