This class covers the changes and new forms effective January 1, 2022

Cost - $40
Credits - 3

Notes - In person location: Land Title 6300 S Syracuse Way, Suite 120. Centennial, Colorado 80111

Instructor Name - JON GOODMAN
Company Name - FRASCONA JOINER GOODMAN & GREENSTEIN PC

Interested in learning more about Airbnb? We'll go over the ins and the outs, how to get started and what to be aware of; including: how Airbnb works, pros/cons, analyzing an Airbnb investment, laws and taxes, insurance, and resources for future hosts and agents.

Instructor Name - Lisa Kerin-Welch & Sabrina Calnan

How to Understand and Estimate the Value of a Home by Making Appraisal Style Adjustments

Cost - $40
Credits - 4

Notes - HYBRID CLASS: choose virtual or in person.**We will be doing a Q&A - Ask the Appraiser after class.

Instructor Name - STEVEN OLSON
Company Name - RE/MAX Masters Millenium

Thursday, October 28, 2021, from 11:00 AM to 1:00 PM
Webinar - Online Learning Opportunity
Placing your rental properties in a living trust can help avoid probate when you die, but there are lots of other advantages to consider as well. This class will focus on the Top Ten Reasons to have a living trust.

Some key questions that will be answered are:

- Does it matter who dies first?
- Who will take care of you when you can't do it yourself?
- What happens when I have property in different states?
- Do we need to avoid probate?
- How can you keep the government out of your affairs?
- Who will be the guardian of your minor children if you die?
- What are your options for choosing a trustee?

In this class you will learn the Ins & Outs of Leasing, key points to include in a Lease, charging appropriate rent rates, tenant screening, fair housing laws and security deposit Do's & Dont's.

Cost - 0
Credits - 2

Instructor Name - Annemarie Sunde
Company Name - Legacy Property Management

When your sellers want to consider an iBuyer, they need you more than ever. Dozens of iBuyers operate in Colorado. Your sellers need your help sifting through all the choices. Learn how to: Demonstrate your value to sellers who are considering soliciting offers from iBuyers. Cope with the forms and systems that iBuyers foist on your seller. Develop good practices to enhance your protection against seller remorse.

Cost - $40
Credits - 4

Instructor Name - JON GOODMAN
Company Name - FRASCONA JOINER GOODMAN & GREENSTEIN PC

Monday, October 28, 2021, from 10:00 AM to 2:00 PM
In-Person - 1333 W 120th Ave Suite 116, Westminster CO 80234
2021 Annual Commission Update. This is the one class that all Colorado Real Estate Licensees must take every year.

Instructor: Eric Romero with Colorado Continuing Education. The cost is $40

The Annual Commission Update, required for every active licensee, is a 4-hour course. The course covers current Real Estate Commission rule changes, law changes, forms, and contracts updates, and is designed to keep you in the know!

4 hours of CE credit. Class begins promptly at 10 am and will last 4 hours. No CE credit if not in attendance for the entire class. Lunch Provided.

I look forward to seeing you all in person!

No refunds for cancelations within 24 hours of the class.

Thursday, October 28, 2021, from 10:00 AM to 11:00 AM
In-Person - 2755 South Locust Street #150, Denver CO 80222
Personal branding for realtors, salespeople, and professionals creating a consistent, memorable brand online and offline.

Nationally known speaker Steve Black will inspire, motivate and teach you the strategies that will work in 2021 and beyond:

- Leveraging simple social media techniques to stay top of mind with your sphere
- Developing a consistent image and message with your customers and warm market
- List of photos you MUST take and how to use them right away
- Defining your marketing message to reach your target market
- Leveraging video to position yourself as the go person in your industry
- Converting visibility into sales

Wednesday, October 20, 2021, from 12:00 PM to 1:00 PM
In-Person - 2755 South Locust Street #150, Denver CO 80222
Build a large portfolio and generate passive income.

One of the most common goals of a property investor is to build a large portfolio and generate passive income for retirement. While we hear this goal a lot, very few investors actually achieve this goal, and many end up never even buying their first property. This presentation will show you 4 different ways to acquire properties and give you a step-by-step business plan that you can use to purchase and build your portfolio. We’ll walk you through this business plan to show you how to start from scratch and build up a portfolio of 10 properties so you can retire.

A net sheet is a simple tool that allows a seller to better understand the costs required to sell the property and shows approximately what the amount of the proceeds will be after all costs have been considered. Through step-by-step instruction and demonstration in this class, agents will walk away with the knowledge of how to create a net sheet and provide this resource for future sellers.

Credits - 1

Notes - You must have your video on and attend the entire class to receive CE credits.

Instructor Name - Brenna Harper
Company Name - Land Title Guarantee Company

Are you constantly wondering in what situations you might need to add additional provisions to a contract? Do you often add additional provisions to contracts? Sometimes, additional provisions are not the best solutions. Learn how to identify situations where additional provisions are beneficial and how to avoid the situations where they are not.

Cost - $40
Credits - 3

Notes - Your camera MUST be on the entire time to receive CE credit. 24-hour cancellation policy for a refund. Email: customerservice@educatedminds1.com with questions.

Instructor Name - JON GOODMAN
Company Name - FRASCONA JOINER GOODMAN & GREENSTEIN PC

Smooth stress free closings for your buyer and seller can greatly increase the opportunity for referral business. Are you doing everything in your power to ensure the smoothest closing for your clients? Close Like a Pro is a class for new agents as well as experienced agents looking for ways increase referral business by ensuring professional closings.

Credits - 2

Notes - You must have your video on and attend the entire class to receive CE credits.

Instructor Name - SHERRY JENSEN
Company Name - Land Title Guarantee Company

Mock Closing - Gain understanding of what is expected of an agent at a closing and what the role of a closer is.

Credits - 1

Notes - You must have your video on and attend the entire class to receive CE credits.

Instructor Name - Brenna Harper
Company Name - Land Title Guarantee Company

Divorcing couples are going through one of the most stressful times in their lives, and they need all the help they can get. Not just anyone's help, but knowledgeable help that only you will be able to provide for them.

Cost - $40
Credits - 4

Notes - You must have your camera on for the entire class to receive CE Credit.If the student cancels at least 48 hours before the start of class, then there will be a full refund for that class.Email: customerservice@educatedminds1.com

Instructor Name - GREGG GREENSTEIN
Company Name - FRASCONA JOINER GOODMAN & GREENSTEIN PC

This class will educate real estate professional on the rules and processes to complete a 1031 exchange. Additionally, real estate professionals will learn how to work with clients who want to utilize a 1031 deferred tax exchange on their transaction.

Credits - 1

Instructor Name - KACEY NEER
Company Name - Land Title Exchange Corporation

Every year the Division of Real Estate releases the required Annual Commission Update (ACU) course with topics the Division believes are important for brokers to know. This is the required class every broker must take each year.

Cost - $40
Credits - 4

If the student cancels at least 48 hours before the start of class, then there will be a full refund for that class.Email: customerservice@educatedminds1.com

Instructor Name - Damien Zumbrennen
Company Name - Zumbrennen Law, LLC

What and Why of Probate?
You'll learn why we have a probate process, the steps to a typical informal probate in Colorado, and at what point in the process a property can be sold.

When is it necessary to probate, and when is it not?
Not all properties must go through the probate process. You'll learn the implications and requirements of beneficiary deeds, deeds held in trust, joint tenancy, and tenants in common.

Personal Representative and Contract Authority
Does your seller have the official authority to act on behalf of the estate? We'll cover the process of personal representative appointment and what needs to take place BEFORE signing contracts.

What special closing requirements are involved?
Whether the property was held as joint tenancy, tenants in common, or with a beneficiary deed, we'll cover the requirements necessary to properly transfer title for each scenario.

Common Issues to Avoid
Learn the top misconceptions and mistakes so that you can avoid them.

How do I find property owned by estates?
We'll show you the free step-by-step method of locating the names and addresses of personal representatives who are handling estates with property that may need to be sold.

Here is What You'll Learn:

Effective Strategies!
This class covers the most significant challenges of navigating multiple offers and best practices for managing them. If you’ve attended Greg Parham’s Techniques for Better Contract Offers class, this is the flip side for listing brokers.

Escalation Clauses
How to counter escalation clauses effectively AND reasons why you shouldn’t discourage them in your MLS remarks.

Contract Review
Whether or not to set a contract review (acceptance) date in the MLS remarks– and recommended language if doing that.

Offer Disclosures/Countering
Disclose or not to disclose other offer prices AND the proper way to counter an offer with additional provisions to eliminate any confusion on terms or dates.

Inspection Waivers
And how NOT to write them

Appraisal Waivers
Why poorly written ones are so dangerous and what makes a good one

Here is What You'll Learn:

Seller Finance Limitations
Is the Seller an investor or do they live in the house? What about the Buyer? Learn how the status of both Seller and Buyer can be important factors in what type of seller financing is possible for a particular transaction.

Wrap Closings
We also call wraps "all-inclusive deeds of trust." Learn why these transactions are more protective for the seller and how to structure them.

Subject To Closings
Heard about subject-to? Now learn the process of purchasing a property "subject to" existing financing, as well as pitfalls and special requirements.

Common Issues to Avoid
Got a foreclosure? Maybe the seller is late on payments? You need to know the special legal requirements for these transactions as well as other seller finance techniques that work and don't work.

Here is What You'll Learn:

Effective Strategies!
This class covers the most significant challenges of navigating multiple offers and best practices for managing them. If you’ve attended Greg Parham’s Techniques for Better Contract Offers class, this is the flip side for listing brokers.

Escalation Clauses
How to counter escalation clauses effectively AND reasons why you shouldn’t discourage them in your MLS remarks.

Contract Review
Whether or not to set a contract review (acceptance) date in the MLS remarks– and recommended language if doing that.

Offer Disclosures/Countering
Disclose or not to disclose other offer prices AND the proper way to counter an offer with additional provisions to eliminate any confusion on terms or dates.

Inspection Waivers
And how NOT to write them

Appraisal Waivers
Why poorly written ones are so dangerous and what makes a good one

If you're not working with investors or educating your clients about the power of real estate investment opportunities for long-term wealth, you are missing out on a ton of business, and you are not being an advisor to your clients. Differentiate yourself from the competition, and protect yourself from FinTech. In this class, you will learn the following: - How to secure at least 3 transactions out of every listing - Different types of investing styles and strategies - 5 key advantages to owning real estate investments - Associated risks & how to mitigate them - How to find investment properties - Where to find investment opportunities in under 60 seconds - How to CORRECTLY analyze an investment property - How forbearance will impact inventory - How to make a more expensive home more affordable for your move-up buyers.

Instructor Name - SETH WILCOCK

In the complex world of bitcoin and blockchain, it's easy to become overwhelmed with the amount of new, abstract information and technology. So, we're here to break-down and simplify this industry that will soon greatly affect ours.

Cost - 0
Credits - 2

Instructor Name - ANTHONY MEISNER
Company Name - Land Title Guarantee Company

Learn everything you need to know to educate your clients on the title insurance commitment and policy! Learn the basic fundamentals of Title Insurance. After taking this class, you will have basic knowledge of title insurance and how to read a title commitment.

Cost - 0
Credits - 1

Instructor Name - SANA HASAN
Company Name - Land Title Guarantee Company

What and Why of Probate?
You'll learn why we have a probate process, the steps to a typical informal probate in Colorado, and at what point in the process a property can be sold.

When is it necessary to probate, and when is it not?
Not all properties must go through the probate process. You'll learn the implications and requirements of beneficiary deeds, deeds held in trust, joint tenancy, and tenants in common.

Personal Representative and Contract Authority
Does your seller have the official authority to act on behalf of the estate? We'll cover the process of personal representative appointment and what needs to take place BEFORE signing contracts.

What special closing requirements are involved?
Whether the property was held as joint tenancy, tenants in common, or with a beneficiary deed, we'll cover the requirements necessary to properly transfer title for each scenario.

Common Issues to Avoid
Learn the top misconceptions and mistakes so that you can avoid them.

How do I find property owned by estates?
We'll show you the free step-by-step method of locating the names and addresses of personal representatives who are handling estates with property that may need to be sold.

Tuesday, September 14, 2021, from 1:00 PM to 2:00 PM
In-Person Class - 2755 South Locust Street #150, Denver CO 80222

Joe Massey, Sr. Loan Officer at Castle and Cooke Mortgage, bought several condo units. The HOA was involved in litigation at the time, so buyers with traditional financing could not purchase. As a result, the units sold at a depressed price. The litigation was resolved, and the price of the units increased rapidly. Our lender will explain:

- How banks evaluate HOA
- What criteria you should evaluate in an HOA for an investment
- If there is litigation, how to determine if it is a trap or an excellent opportunity
- We’ll go through a complete case study illustrating the concepts
- Q+A
- Includes 1 free CE!


Or, join us LIVE via webinar by registering here (CE not available for virtual attendance): https://event.webinarjam.com/register/21/9kp8gfy

Having a successful real estate business boils down to one essential activity – getting clients! We developed this class from the 100+ mastermind sessions we’ve conducted during which real estate brokers share the top strategies and techniques that work for them to generate business. Whether you’re a new agent looking to accelerate your business, or an experienced agent wanting more consistency with closings, this class will provide you with several successful strategies for more effective prospecting.

INSTRUCTOR: Rohn Goldstein

WHEN: Thursday | September 23, 2021 | 1:00 PM - 5:00 PM

WHERE: Online

WHY: Realtors® are required to complete ethics training within three-year cycles. The training must meet specific learning objectives and criteria established by the National Association of Realtors®. A ​​ ​​three-year ​​cycle ​​began ​​January ​​1, ​​2019 and ends ​​ ​​December ​​31, ​​2021

PRICE: Realtor® Member $40 | Non-Realtor® $60

CE CREDITS: 4 (In order to receive CE credits, you must: have video capability, have video on and be visible for the duration of the class. You may not drive, show homes or participate in any distractions during class. CE credits will not be given to those who fail to follow these guidelines.)

CLASS POLICIES: You must cancel 24 hours in advance to receive a refund less $10 in service fees. If you choose to transfer to another class, you will be charged a $10 transfer fee. You must attend the entire class to receive your Colorado Continuing Education Credits.

IMPORTANT: Registration is a two step process. The day before class you will be emailed a Zoom link to confirm registration, as well as class materials and guidelines.

WHEN: Thursday | September 16, 2021 | 9:00 AM - 1:00 PM

WHERE: Virtual, hosted through Zoom

WHY: Learning how to take a proactive role in preventing legal violations will reduce a real estate licensee's exposure to liability. In this course, we will exam the common law as well as Federal and State statutes that govern real estate transactions. A real estate licensee's awareness of federal fair housing laws and sensitivity to consumer diversity is vital to business success, reputation and growth. Licensees will learn why it is necessary to understand fair housing laws and the impact that both fair housing and diversity have on their business.

GRI ​REQUIREMENTS:

- Be ​a ​Colorado ​Realtor® ​in ​good ​standing.
- Complete ​coursework. The ​GRI ​program ​consists ​of ​15 ​courses, ​most providing four (4) ​hours ​of ​credit, ​for ​a ​total ​of ​56 CE ​hours ​of ​education. Courses ​may ​be ​taken ​online, ​in ​the ​classroom ​from ​a ​sponsoring ​REALTOR ​association, ​or ​a ​combination ​of ​online ​and ​classroom. ​
= All ​60 ​hours ​of ​education ​toward ​the ​GRI ​designation ​must ​be ​completed ​within ​three (3) ​years.

PRICE: Realtor® Member $50 | Non-Realtor® $70

CE CREDITS: 4 (In order to receive CE credits, you must: have video capability, have video on and be visible for the duration of the class. You may not drive, show homes or participate in any distractions during class. CE credits will not be given to those who fail to follow these guidelines.)

INSTRUCTOR: Mike Moger

CLASS POLICIES: You must cancel 24 hours in advance to receive a refund less $10 in service fees. If you choose to transfer to another class, you will be charged a $10 transfer fee. You must attend the entire class to receive your Colorado Continuing Education Credits.

Here is What You'll Learn:

Effective Strategies!
This class covers the most significant challenges of navigating multiple offers and best practices for managing them. If you’ve attended Greg Parham’s Techniques for Better Contract Offers class, this is the flip side for listing brokers.

Escalation Clauses
How to counter escalation clauses effectively AND reasons why you shouldn’t discourage them in your MLS remarks.

Contract Review
Whether or not to set a contract review (acceptance) date in the MLS remarks– and recommended language if doing that.

Offer Disclosures/Countering
Disclose or not to disclose other offer prices AND the proper way to counter an offer with additional provisions to eliminate any confusion on terms or dates.

Inspection Waivers
And how NOT to write them

Appraisal Waivers
Why poorly written ones are so dangerous and what makes a good one

WHEN: Wednesday | September 15, 2021 | 1:00 PM - 4:00 PM

WHERE: DMAR HQ | 4601 DTC Blvd. #100 Denver, CO 80237

WHY: Carl Carter's mom, Realtor® Beverly Carter, lost her life at the hands of two clients in 2014. Since his mother's passing, Carl has dedicated as much time as possible to spread the message of safety. His story and presentation is an impactful combination of harrowing details involving his mother’s story and practical industry anecdotes and takeaways. The statistics show that about 20 real estate agents lose their lives in the course of their work annually. That is 20 too many! The very nature of the business, lone-workers with ample training and tools to self & service-promote, can easily foster business practices of false pretenses and vulnerabilities. We all have a responsibility to raise awareness and build cultures of preparedness.

As part of the safety presentation from our C.O.B.R.A. Safety Instructor, you will also learn real estate-specific self-defense strategies. Who will be there for you? You will. Learn how to protect yourself. You’re meeting a person – generally alone and mostly in an empty property. You may be all over the web and social media, allowing anyone to profile your potential assets, looks, work patterns, etc. This is known as “crime by appointment.” Do you look like a soft target or a hard target in the eyes of a criminal? Learn how to avoid dangerous situations before they even start.

PRESENTERS: Carl Carter & Euell Santistevan, C.O.B.R.A. Safety Instructor

PRICE: Free for DMAR members (must be a DMAR member to register)

CE CREDITS: 0

CANCELATION POLICY: If you register for this class, we ask that you make every effort to attend. Registration is limited and sell out quickly limiting the number of members able to participate.

Here is What You'll Learn:

Seller Finance Limitations
Is the Seller an investor or do they live in the house? What about the Buyer? Learn how the status of both Seller and Buyer can be important factors in what type of seller financing is possible for a particular transaction.

Wrap Closings
We also call wraps "all-inclusive deeds of trust." Learn why these transactions are more protective for the seller and how to structure them.

Subject To Closings
Heard about subject-to? Now learn the process of purchasing a property "subject to" existing financing, as well as pitfalls and special requirements.

Common Issues to Avoid
Got a foreclosure? Maybe the seller is late on payments? You need to know the special legal requirements for these transactions as well as other seller finance techniques that work and don't work.

Ever tried to explain to your buyer or seller the legal impact of all the various provisions in the standard buy and sell contract? This class examines each paragraph of the purchase and sale agreement, why the paragraph is in the contract, and what it really means for your buyer and seller. This class is perfect for agents needing a contract refresher, or for experienced agents that want to discover some short-hand ways of explaining the contract provisions to their clients.

The stock market has dropped over 30% this year at one point. If you or your clients are fed up with the volatility in the stock market then this class is for you. I am more convinced than ever that real estate is where we need to be investing our hard-earned Dollars. Plus, I have been deeply passionate about real estate investing for a long time and the impact it can MAKE IN YOUR LIFE and your clients’ lives!

Real estate has created more millionaires than any other asset class. And not only can real estate create wealth long-term; it also provides an unmatched income stream that acts like a pension for you in retirement.

Thus, I am teaching my class titled "How to Create a Pension Using Real Estate".

Here is what you will learn.
• Why you can’t count on pensions, Social Security, or IRAs/401ks
• How just 2 rentals can create a predictable lifetime income stream
• Learn the 6 tax advantages with investment real estate
• Learn the 10 benefits of investing in real estate
• 5 ways to acquire properties
• The pros and cons of each property type
• Over 20 great insider property manager tips

Instructor: Randy Hay

Every year the Division of Real Estate releases new forms and changes to the existing Commission approved forms. This class is an in-depth look at the changes and new forms effective January 1, 2022 that you will not find in the Annual Commission Update including:

1. Major revisions and additions to the Contract to Buy and Sell Real Estate.
2. Update to the Earnest Money Release you need to understand.
3. New Extension or Termination of Contract form.
4. New Seller Associatoin Authorization.

This class was created by Damian Cox, the Vice Chair of the Commissions Forms Committee, and all instructors have been personally trained by Damian. Don't just learn what changed, learn why the changes were made, what risks are associated with the changes and how to explain the new forms and provisions to your clients.

Credits - 3
Cost - $30

Tired of your clients getting pushed aside because of their credit? Join us to learn the ins and outs on how credit scores impact your buyers. We will cover how credit is formed, calculated, and how increasing your clients credit can help maximize their buying power.

Cost - 0
Credits - 2

Instructor Name - ANDREW NUNTAPREDA
Company Name - Supreme Lending

Take an in-depth look into appraisals from a lenders perspective. We will show you and explain the steps taken by an appraiser to determine a property's value. We will look at how adjustments are calculated, how comps are determined, and how to legally negotiate when appraisals come back short. You will surely expand your knowledge and enjoy this in depth look into appraisals.

Cost - 0
Credits - 2

Notes - Pre-registration is required to obtain a link for the class.

Instructor Name - TYLER DUNCAN

Instructor: Randy Hay

Every year the Division of Real Estate releases new forms and changes to the existing Commission approved forms. This class is an in-depth look at the changes and new forms effective January 1, 2022 that you will not find in the Annual Commission Update including:

1. Major revisions and additions to the Contract to Buy and Sell Real Estate.
2. Update to the Earnest Money Release you need to understand.
3. New Extension or Termination of Contract form.
4. New Seller Associatoin Authorization.

This class was created by Damian Cox, the Vice Chair of the Commissions Forms Committee, and all instructors have been personally trained by Damian. Don't just learn what changed, learn why the changes were made, what risks are associated with the changes and how to explain the new forms and provisions to your clients.

Cost - $30
Credits - 3

Instructor: Eric Nesbitt, Esq.

Commercial real estate is any property owned to produce income, including office, industrial, retail, mixed-use, medical office, entertainment and educational facilities. It also includes vacant land that will eventually be leased or developed.

This course is for individuals interested in entering the commercial real estate field. The course provides an introduction to the fundamentals of commercial real estate, including property types, financials, and valuation. It covers the four major property types: multi-family, office, retail, and industrial. Brokers are presented with an overview of the major differences between commercial real estate and personal use real estate. Topics include the common agent activities found in the commercial real estate marketplace, including leasing, sale, development, property management, and financing; the financial factors in commercial real estate investments; and discussion of the common rules of thumb, including cost per square foot, gross rent multiplier, capitalization rate, and the cash on cash return. Brokers also learn common lender terminology that applies to commercial real estate, the types of loans available, and an understanding of the concept of leverage.

Credits - 3
Cost - $30

Instructor: Rob Lynde

Join us for the 2021 Landlord Symposium, hosted by the Colorado Springs Chapter of NARPM.

Date: Thursday Sept. 23rd, 2021
Location: The Hotel Elegante 2886 S. Cirlce

This year we are packing in the most relevant topics for our Small Property Owners to keep them up-to-date on the pressing issues most relevant to their sustainability and success. We are very excited to feature a panel of esteemed professionals to discuss:

- Management Agreements
- Fair Housing
- Brokerage Relationships
- Qualifying Tenants
- Accounting
- New Legislation

Plan for a day of education and specialized training covering topics property managers need to know. Earn seven hours of CE credit. Snacks and lunch will be provided.

Credits - 7
Cost - $150

Instructor: Rob Lynde

In this class attendees will learn how to put together the DORA required Policies and Procedures manual. The cirruclium delves into the areas that are required to be included in the Policies and Procedures manual. Each area of business is addressed and discussed on how to establish real estate businesses to be fully compliant. Additionally, attendees will learn how brokerages practicing property management should and can expand the property management section of the Policies and Procedures Manual to create systems and a Standard Operating System for day to day property management.

This course applies directly to Managing Brokers as the Policies and Procedures manual is required for all brokerages. It will educate the attendee on all areas required to be in the Policies and Procedures Manual as well as give them the opportunity in class to create a compliant manual with a detailed Property Management section.

Credits - 4
Credits - $40

Instructor: Nate Rees

Does your client fall outside of the strict qualifying guidelines for an advertised mortgage? It's not that they can't qualify, it's that they fall outside of their box. This one-hour CE course explores loan options that are available for buyers who do not qualify for a traditional mortgage. With 28% of U.S. workers being self-employed and 57% of households having a credit score below 680, there is a tremendous market of "out of the box buyers" to assist. Loan programs that will be covered include:

- Loan options for self-employed buyers
- Down payment assistance
- Asset qualification
- Loan options for investors
- Reverse for purchase