Consider the prospect of lending your whole life savings of $450,000 cash. If you had to choose among three people to borrow your money, would you be a bit selective? I think you would agree that you wouldn’t want to lose any of that hard-earned money. After all, it took a life of working to earn it.

I like to tell my clients that the lender’s responsibility is to protect the “mother ship.” She has cannon-sized holes in her side and she is taking on water!

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