1️⃣ the flexibility to work and think long-term 2️⃣ the patience and discipline this journey has taught me over time 3️⃣ the sense of ownership and control over decisions, growth, and risk 💭 Which one resonates with you the most? or what would you add to this list?

Discipline. Capital control. And this.

hi - writing this before I call a buyer who is 3 payments behind. I've postponed repossession because he has paid 1/2 his balance. I've been in credit and collections since 1980. Yes, 1980. I worked for a department store, a credit card bank, and owned a collection agency for 20 years. I know how to write a note and collect it. We write "secured" transactions but I think they behave closer to credit cards than traditional A credit mortgages. How do I gauge trends to predict portfolio performance and therefore value? What cities have the worst credit card debt behavior? https://wallethub.com/edu/cities-with-the-most-people-in-financial-distress/133346 This is just one of many sites that spin up bank data. I've been a note buyer for many years. And I'm actively looking for portfolios to buy. So I'm not "out" but I'm not full of wide eyed optimism that every buyer will pay in full. Comments? Maybe a side bar discussion?

What CRM are you currently using? What are the pros and cons? We've been thinking about moving from Podio to Stride this year which will make @Seth Williams really happy! we've enjoyed Podio for being customizable and how things can flow from one app to another, but we think it's falling behind the times now and looks and acts like something from 10 to 15 years ago (because it is!).

I have a larger subdivide deal in Oklahoma, about 35 minutes from OKC. Already been surveyed, platted, and appraisal in hand. Is anyone interested in this?