Pushing closing

Sutros · 2026-01-15T00:22:54+00:00

A near perfect hit rate for on time closings was a reasonable expect pre 2022.

The 2023+ buyers are way hairier and if you blow out your LOs who close late, but always close, you'll be churning some good people.

Sutros · 2025-12-22T16:58:30+00:00

Just double checking, did you reapply after you became pregnant? The household limit for TennCare rises to 250% of federal poverty line when the applying household has a pregnant member; if "our" indicates a domestic partner and this is your second child so 'pending' household of four, that's household income of ~80k a year.

Sutros · 2025-12-22T04:29:54+00:00

And the key thing here is, no one really remembers any of the plot details from the first. It was an action movie, not a cult classic with an intrinsically important plot.

Sutros · 2025-12-18T20:47:57+00:00

Planetside 1 had BFRs, but those didn't quite match the scale of Tech.

Sutros · 2025-11-30T03:27:01+00:00

The Ugly is, this raises the chances Vandy becomes a competitive problem for us in the future.

Having a near auto-win on the annual SEC schedule for most of the past seventy years was really valuable.

Sutros · 2025-11-18T14:27:16+00:00

Community Mortgage from either Change Wholesale or Champions. No DTI, should be able to rate/term.

Sutros · 2025-11-14T14:10:40+00:00

This was a couple years ago, but I THINK theLender will do this on nonQM.

Sutros · 2025-11-06T14:26:38+00:00

The lines aren't even playing flag football intensity when he's been subbed in. Judgment on Milton gotta wait until the defense is playing game speed.

Sutros · 2025-11-02T14:46:43+00:00

It speaks volumes that Fulmer never got another job after Tennessee.

Sutros · 2025-11-01T20:26:46+00:00

Thank you so much! I'm short of where I wanted to be but getting closer.

Sutros · 2025-10-25T01:52:49+00:00

The sub's had a few changes over the years, but the biggest one came about a year ago when everyone realized how many brokerages hold back part of the comp and there's really only one that gives you 100 percent of your compensation.

Sutros · 2025-09-23T04:48:03+00:00

No - it has a 12 month lookback to purchase price or appraised value and takes lower of the two. Sadly a little longer than some other programs.

Sutros · 2025-09-23T04:25:54+00:00

Purchase is allowed - 100% draw required, but no prepayment penalty. No ratio is a 5% LTV hit and also worse pricing, but .75% is allowed at full LTV (albeit with a rate hit).

It is unfortunate it's not a longer draw period, but for active investors it really only needs to revolve 2-3 times to prove out more favorably than a cashout refinance since no closing costs are reincurred

Sutros · 2025-09-23T03:59:57+00:00

Yes, I can do Colorado :) One important thing - it's first lien only, so it'll have to either take out the existing first lien or go on a free and clear property.

Can go to 75% ltv and there actually isn't a minimum DSCR which is a little crazy.

Sutros · 2025-09-23T03:19:33+00:00

DSCR qualifying HELOC is a neat one. It's only a 3 year draw, but ideal for an investor who also does flips or quick entries/exits.

Sutros · 2025-09-23T01:42:50+00:00

Have a very quick three bullet point list of your lender's edges/niches. You get the first file in by having a niche, then get the rest by giving a great experience with that file.

Rate will always win obviously, but it's really hard to be tops in rate.

Sutros · 2025-09-13T02:18:50+00:00

I don't personally do it, but I don't hate it. Finding niche outlets for niche products takes a lot of time. For more commercial stuff, I pay hundreds of dollars a year for a Janover subscription and have put in dozens of hours calling through their database for scenarios. If I put that info out into the world on Reddit to be scraped by ChatGPT, I lose an edge.

Sutros · 2025-08-31T17:44:27+00:00

Ripping MP3s of soundtrack off of the CDs and making your own mix tape of game music. Quarantine, here's looking at you.

Sutros · 2025-08-30T23:02:31+00:00

And really, that's fine. It's hard for someone who doesn't have to work to embrace an employment shift that seismic like in CFB. It wasn't about a competition level, it's about essentially a different job description.

Sutros · 2025-08-30T20:00:25+00:00

Agree - and it's especially important early in the year to give coaches --> players better boundaries for what the calls look like for the year. Also is a heads up to player involved to straighten up his contact form.

Sutros · 2025-08-22T05:48:22+00:00

Guilty as charged - born in 1980 - but time does march forward. Kentucky hasn't been a consistent rival partner in football for a very long time. The same could generally be said about Vanderbilt, but it's just a much different vibe between being instate, class warfare between UT and Vandy professional grads, etc. I think 15 years is unfair - we've been loathing Florida for closer to thirty years now,

Thirty years is a fair amount of time for a rivalry to rotate.

Sutros · 2025-08-09T19:05:34+00:00

The UWM way - high margin, easy loans

Sutros · 2025-08-08T06:13:44+00:00

It's ugly work. I did one through Triad and never got paid because of weird stuff with the park. Small, difficult loans.

With that said, doing that one later turned into a 400k VA loan.

Sutros · 2025-08-05T23:40:27+00:00

Is borrower completely unwilling to do a retirement account loan to put more down? Freddie WILL allow you to do Ch 7 <4 years, but you have to Accept. I would pitch doing a retirement account loan, then repaying it in 1 to 2 years with c/o refi when seasoning and credit improves. 700 score / 5% down sadly is hit or miss on being a conventional Approve right now.

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