Wait I am confused are you an LO? Because I know alot of hard money lenders that won't charge you that much. I am a LO and I specialize in Sub Prime and Hard money.
Yep Diet is everything. eat right and clean and cardio like crazy.
I hated when people told me that but now that I have excepted it, I have cut the most fat off that stays off. And it just keeps coming off. Facts of the body. ;) Good luck
I have seen him talk alot of shit but he seems very knowladgable and has indirectly helped me alot.
Take it for what it is worth I listen to him. (minus the BS)