@ jstarr: being a jerk to another person I see. I reached out to you two weeks ago & I said siyonara on the phone but your attitude is worse than what I thought. Big deal that Karen is asking a question to Abfunders, which is a class act. You have been doing hard money for 18 years correct! You never asked questions starting off the block? It's silly that you want to talk smack about me regarding hard money when I told you my first HM deal was in 11.17 for 275k, every month it has been double the amount till now, something light. She is an ex-Stockbroker from Queens, NYC like myself. Karen could be a bit wacky but she is on point when talking about the business. bottomline. Wish you the best jstarr, haha.