With our speaker lineup all but set for the BiggerPockets Real Estate Investing Summit in March, there just few holes left to fill...I'm looking for people to participate on our "Investor Financing Panel," which will be covering just that -- financing options for investors.

It will be emailed out to all of the listed participants on Sunday, Feb. 26 so that the list can help you coordinate and organize your trip.

If you are starting with bare walls I'd recommend drywall all the way.

So many jumbos are sliced, called participations, and one bank (the lead lender) retains servicing, so it appears to the borrower that my bank loaned the good doctor all the money for his house keeping his banking relationship with us.

Sometimes the bank will co-participate with the collection company by putting the note over to the collection company but still retain partial or full ownership and they share in any collections made or simply pay a fee for the collection service.If you called the bank and they said he can still pay them, then that could be very true.

Asking questions and conversing with neighbors can help keep you alert, participating when you can rather than just listening.

For the top program that was $34,995 when I went through the 3 day workshop 3 years ago is a bargain rate compared to other franchises I looked into that required at least twice that much to millions to get into the franchise.I have never participated in their Mastery Program so I don't have any personal experience with it but going over the information they gave me it sounds like all the stuff Subway, Budget Blinds, MaidPro, Re/Max LLC or Anytime Fitness would provide you with for training and mentorship.They are not marketing it as a franchise that is just my view on it based on the similarities when I looked at franchises.They do tell you that you can take the information from their 3 day workshop and start doing deals in real estate.  

Many of the parties to this thread are also participating in this market ;-)

Bare in mind they look at present and past income so if you trended up this year, you are still dragging down because last year you didn't make the same money.If you can defer or pay down or pay off some of your other liabilities your DTI will go down.

I look forward to participating in the forums and gaining knowledge from some of the great discussions I've seen here.Tom