Prior to the Great Recession, banks approved anyone who could fog a mirror, but now they’re turning down one-third of the buyers who apply for a mortgage! Many self-employed business owners (the hardest-working people in America) can’t get a loan because they don’t fit in the bank’s “box” even though they have a significant down payment, several sources of income, and an amazing work ethic! The bank’s unwillingness to lend to these over-qualified borrowers has created an opportunity to earn consistent “mailbox money” rather the “tenants and toilets” involved in traditional real estate investing.