I am no longer originating loans since about 03'. Currently I am a principle investor in a fund that owns a few multifamily properties in FL and GA. Speaking of borrowing we are currently repositioning a property with Green Credit initiatives to convert a property to Solar Power.

As far as the credit scoring system is its my belief that it is too thorough and it lacks the ability to truly evaluate a person's ability perform on a contract. In our case we dont pull credit we make decisions based on someones current income and the likelihood hood that it will continue or not. Then we look at their past employment history etc...