[EJ]

If you are using the loss as a deduction, I believe it will be subtracted from your I side of the DTI ratio. I had a home office deduction on my taxes that was deducted from income for the DTI calc. I closed in Oct, and they were pretty thorough in the underwriting.

Talk to a pro about current standards. Sheldon helped me get my finance documents in order well ahead of going into escrow (also because I was so picky about finding a house). Be sure your DP is seasoned and you don’t have any bank deposits other than your W2 income (if possible). I was cashing my girlfriends rent contribution at the time, so I wouldn’t have any deposits.

However, I am not sure if there are guidelines about heavy gambling wrt credit worthiness.

Is he playing poker? I would like to get some of that $7500 😉

[EJ]

If you are using the loss as a deduction, I believe it will be subtracted from your I side of the DTI ratio. I had a home office deduction on my taxes that was deducted from income for the DTI calc. I closed in Oct, and they were pretty thorough in the underwriting.

Talk to a pro about current standards. Sheldon helped me get my finance documents in order well ahead of going into escrow (also because I was so picky about finding a house). Be sure your DP is seasoned and you don’t have any bank deposits other than your W2 income (if possible). I was cashing my girlfriends rent contribution at the time, so I wouldn’t have any deposits.

However, I am not sure if there are guidelines about heavy gambling wrt credit worthiness.

Is he playing poker? I would like to get some of that $7500 😉

[EJ]

If you are using the loss as a deduction, I believe it will be subtracted from your I side of the DTI ratio. I had a home office deduction on my taxes that was deducted from income for the DTI calc. I closed in Oct, and they were pretty thorough in the underwriting.

Talk to a pro about current standards. Sheldon helped me get my finance documents in order well ahead of going into escrow (also because I was so picky about finding a house). Be sure your DP is seasoned and you don’t have any bank deposits other than your W2 income (if possible). I was cashing my girlfriends rent contribution at the time, so I wouldn’t have any deposits.

However, I am not sure if there are guidelines about heavy gambling wrt credit worthiness.

Is he playing poker? I would like to get some of that $7500 😉

[EJ]

If you are using the loss as a deduction, I believe it will be subtracted from your I side of the DTI ratio. I had a home office deduction on my taxes that was deducted from income for the DTI calc. I closed in Oct, and they were pretty thorough in the underwriting.

Talk to a pro about current standards. Sheldon helped me get my finance documents in order well ahead of going into escrow (also because I was so picky about finding a house). Be sure your DP is seasoned and you don’t have any bank deposits other than your W2 income (if possible). I was cashing my girlfriends rent contribution at the time, so I wouldn’t have any deposits.

However, I am not sure if there are guidelines about heavy gambling wrt credit worthiness.

Is he playing poker? I would like to get some of that $7500 😉

[EJ]

[quote=flu][quote=sdrealtor]Thats a great business opportunity! Sell fake alarm signs on ebay. When you ship them you have the addresses of people with fake alarm signs in their yards to burglarize.[/quote]

Except some asian folks already thought about it, along with creating the “fake dog”….

http://www.eaprotection.com/secure-dog.aspx%5B/quote%5D

Couldn’t help but notice this little tidbit at the end of the description.

*This item is also known to protect you from Ninjas – as we have yet to come across a Ninja that can deter this security system

Interesting, a lot of concern about Ninjas but no mention of zombies

[EJ]

[quote=flu][quote=sdrealtor]Thats a great business opportunity! Sell fake alarm signs on ebay. When you ship them you have the addresses of people with fake alarm signs in their yards to burglarize.[/quote]

Except some asian folks already thought about it, along with creating the “fake dog”….

http://www.eaprotection.com/secure-dog.aspx%5B/quote%5D

Couldn’t help but notice this little tidbit at the end of the description.

*This item is also known to protect you from Ninjas – as we have yet to come across a Ninja that can deter this security system

Interesting, a lot of concern about Ninjas but no mention of zombies

[EJ]

[quote=flu][quote=sdrealtor]Thats a great business opportunity! Sell fake alarm signs on ebay. When you ship them you have the addresses of people with fake alarm signs in their yards to burglarize.[/quote]

Except some asian folks already thought about it, along with creating the “fake dog”….

http://www.eaprotection.com/secure-dog.aspx%5B/quote%5D

Couldn’t help but notice this little tidbit at the end of the description.

*This item is also known to protect you from Ninjas – as we have yet to come across a Ninja that can deter this security system

Interesting, a lot of concern about Ninjas but no mention of zombies

[EJ]

[quote=flu][quote=sdrealtor]Thats a great business opportunity! Sell fake alarm signs on ebay. When you ship them you have the addresses of people with fake alarm signs in their yards to burglarize.[/quote]

Except some asian folks already thought about it, along with creating the “fake dog”….

http://www.eaprotection.com/secure-dog.aspx%5B/quote%5D

Couldn’t help but notice this little tidbit at the end of the description.

*This item is also known to protect you from Ninjas – as we have yet to come across a Ninja that can deter this security system

Interesting, a lot of concern about Ninjas but no mention of zombies

[EJ]

[quote=flu][quote=sdrealtor]Thats a great business opportunity! Sell fake alarm signs on ebay. When you ship them you have the addresses of people with fake alarm signs in their yards to burglarize.[/quote]

Except some asian folks already thought about it, along with creating the “fake dog”….

http://www.eaprotection.com/secure-dog.aspx%5B/quote%5D

Couldn’t help but notice this little tidbit at the end of the description.

*This item is also known to protect you from Ninjas – as we have yet to come across a Ninja that can deter this security system

Interesting, a lot of concern about Ninjas but no mention of zombies

[EJ]

Convenient time to look for a new loan with the rates dropping so quickly.

I just closed escrow and thought I locked a great rate a month ago. Would have been nice to extend another month and start over now.

I guess all I needed was good sob story, with some distractions built-in (rent to me please, I have no where to live).

I would play hard-ball if I were you. Issue the notice to perform, put it back on the market and tell them to get a rental (corporate or whatever). With the low rates people’s price ranges have increased. You might get a better offer.

Although I will say for me the loan process was not fast, underwriting took a while and I had to extend escrow myself (but not start over).

[EJ]

Convenient time to look for a new loan with the rates dropping so quickly.

I just closed escrow and thought I locked a great rate a month ago. Would have been nice to extend another month and start over now.

I guess all I needed was good sob story, with some distractions built-in (rent to me please, I have no where to live).

I would play hard-ball if I were you. Issue the notice to perform, put it back on the market and tell them to get a rental (corporate or whatever). With the low rates people’s price ranges have increased. You might get a better offer.

Although I will say for me the loan process was not fast, underwriting took a while and I had to extend escrow myself (but not start over).

[EJ]

Convenient time to look for a new loan with the rates dropping so quickly.

I just closed escrow and thought I locked a great rate a month ago. Would have been nice to extend another month and start over now.

I guess all I needed was good sob story, with some distractions built-in (rent to me please, I have no where to live).

I would play hard-ball if I were you. Issue the notice to perform, put it back on the market and tell them to get a rental (corporate or whatever). With the low rates people’s price ranges have increased. You might get a better offer.

Although I will say for me the loan process was not fast, underwriting took a while and I had to extend escrow myself (but not start over).

[EJ]

Convenient time to look for a new loan with the rates dropping so quickly.

I just closed escrow and thought I locked a great rate a month ago. Would have been nice to extend another month and start over now.

I guess all I needed was good sob story, with some distractions built-in (rent to me please, I have no where to live).

I would play hard-ball if I were you. Issue the notice to perform, put it back on the market and tell them to get a rental (corporate or whatever). With the low rates people’s price ranges have increased. You might get a better offer.

Although I will say for me the loan process was not fast, underwriting took a while and I had to extend escrow myself (but not start over).

[EJ]

Convenient time to look for a new loan with the rates dropping so quickly.

I just closed escrow and thought I locked a great rate a month ago. Would have been nice to extend another month and start over now.

I guess all I needed was good sob story, with some distractions built-in (rent to me please, I have no where to live).

I would play hard-ball if I were you. Issue the notice to perform, put it back on the market and tell them to get a rental (corporate or whatever). With the low rates people’s price ranges have increased. You might get a better offer.

Although I will say for me the loan process was not fast, underwriting took a while and I had to extend escrow myself (but not start over).

[EJ]

[quote=CONCHO][quote=deadzone]
I think we can all agree that it has always been a little sketchy, especially if you don’t know Spanish or have no experience there.[/quote]

Something tells me that these kidnappers would not be impressed by an American speaking Spanish.[/quote]

That family had a horrible experience and were lucky to get out alive, I feel for them. However, they were not being smart about their travels: (1) A new truck pulling a big “weekend warrior” trailer is like waving a sign saying “I have lots of money” (2) Driving at night is a big no-no.

In addition, the police know of this scam and it has been well published. If you are signalled to pull over on the road by an apparent police car at night with sirens and lights, the real police recommend you to find a well lit area with lots of people before you pull over (even if it is many miles).

[Author]

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