I want to learn more about you guys and then I want to learn about like when a investor comes to you guys they're brand new.

Let's say they've never flipped the house, they don't have any rental properties like what are you guys telling them like

what's like the onboarding process work like for beginner investors?

Yeah so the first thing we would ask is, you know, one, do they have any experience in real estate?

Meaning do they even own a personal residence?

What if it's no?

If it's a no personal residence, then we would ask, hey, how is your credit right now?

And the reason we ask for credit is not necessarily for the score as much as it is, like,

how are you making your payments?

Because there has to always be the ability to repay.

That's the biggest thing in the lending world.

A lot of people get angry because they're like, hey, you know, you guys don't have a minimum

credit score, but you know, my credit is 580 and you know 580 and I just have 15 credit card late.

I'm like, then I can't really help you because that just shows that you can't make your payments on time.

Right.

So if your credit is, you know, usually we'd want to work with at least

six twenty or higher. We have options for that. We can go as low as 580, but typically

we want to make sure that our clients are making payments on time because if your

credits lower it typically means that you're not making payments on time.

Right. Because so that's kind of the biggest thing we ask them as the start and

then also too like hey you know how are you

gonna put let's say down payments to buy the property or rehab the property like where are those

...