NO COLLEGE/TRADE SCHOOL im 24y old and I've mostly worked in warehouse jobs through temp agencies, somewhere between 44k - 55k a year and that line of work changed since now I'm in a more corporate job (credit dep.)

These notes are frequently not reported to the credit agencies and could free up some DTI bandwidth. 

Let them know you plan to hand over their case to a collection agency who will report to the credit agencies and destroy their credit. 

@Andy Bauman Title agencies are the same from here to the moon...the only real difference is customer service.

There is a state agency, HCD, that have part of their role to answer ADU questions and to try to work with jurisdictions on their ADU compliance.  

I just want to make sure that the contract I already signed but have not gotten a reply will not ruin my chances with getting with another real estate agency.

Entitlement RiskEntitlement involves the potential risk that government agencies with jurisdiction over the property won't issue the necessary permits and approvals required to proceed with the project.

Taking advantage of economies of scale, cheap agency debt, and competitive building costs to buy a new product that will have low-to-no maintenance costs for several years thanks to builder warranties and new construction.Rental demand is strong, with millennials reaching prime housing age, while strapped with student loan debt.Mulitple exit strategies make exiting the deal in 5-7 years flexible.

@Patrick M.Sounds like you have made a good start on your real estate investing career and are ready to rock and roll in 2021.Your thought process about financing is generally correct.I might make a distinction between commercial bank loans and agency loans - agency loans are generally $1M or more and may have a more stringent experience requirement than commercial bank loans.In terms of your balance sheet, what you net worth is - is what your net worth is - so there is not much you can do to change it in the short term.

its not hard to comply  you just need the license and NMLS registration then do your mortgage call report.. there are a few simple disclosure docs necessary to make your files pass your state exam.But again I would contact the agency spell out what you intend to do and then go from there..