Has the ability to alter your numbers depending on what changes.

Chris Dodd and Barney Frank - retired senators from CT and MA I think who sponsored a bill after the financial crash in 2008 which implements a number of regulations that impact lenders.  

I have an abundance of time on my hands, and confidence in my ability to find some financial success thru real estate investing. 

Your ability to borrow.Take inventory of those 4 basic things and it should point you in a direction.

So just use any opportunity to practice real estate6.

Your ability to convert over time is really about your follow up,  how many times you hit them, and how good your list is....  

I can understand if you don't know the buyer and their lending situation, it is hard for you to vouch for their ability to close. 

The main advantage of a Fully Approved Loan is that your ability to get the loan has been addressed (which is usually the big thing).

The main thing I care about is my ability to rent apartments over the next several years and probably forever. 

Also speeds up goal of Real Estate full time-ability.