[ryan $]

so the offer isn't real and the signed contract isn't real. marketing and acquiring leads isn't free either. i get the bank verification, but, many who have been around there was a co out of FL, who was notorious for RIP on signed contracts and mysteriously, they funded after a decline.

The percentage of Rapids deals that die, is not that bad.

Doing full underwriting up front is costly, money and time, only to have it go nowhere.