That is why I preach to my team the importance of coming from the point of contribution and placing the client's needs first.

Or very good brokers who have been doing it for decades and take care of their clients.. but your right.. one off   say from FCI exchange and yes it goes bad ( whole note) and you have your work cut out for you as you described.

All three of them invest crazy amounts of SEO money to get in between you and your prospective client.  

I think being in the insurance business would give you a "foot in the door" with your clients. 

If you are over 59.5 years old, never mind, then the money is not restricted (but you will still pay the taxes unless it is the unique "roth" 401k).

I'm creating a proforma for a client.

Maybe the sub $150k condos don't look as nice and don't have an ocean view but to see such a HUGE range in prices tells me there is something else unique to these cheaper priced condo's that causes their prices to remain depressed.   

I've seen enough clients run headlong into trouble and heard enough stories here that I decided to be patient and wait for the right opportunity.

I was looking at a 1924 built 3/2 house with a client for a flip.

The agent says that her client is in Columbia and did not reply her email.