Real Estate like an LAPD Detective

    Police car, with full array of lights and tactical lights.

    While I wasn’t a detective with the LAPD, I did go to Detective School.

    It was 40+ hours in length and it was a difficult school. It did not teach to the LCD – lowest common denominator as most schools taught.

    The key component of this school was about Utilization of Resources.

    Using the resources of the LAPD to get the bad guy/girl.

    Being a detective gives you a lot of resources, like real estate, we have resources too.

    If you are a detective and had a perp who was an armed robber – you my call on the services of the SIS.

    With a phone call you may be able to get them to tail the suspect you are interested in.

    If your bad buy/girl was a burglar – you may find a resource within the LAPD where officers in plain clothes would tail and apprehend the bad guy.

    As you have figured out by now – not all bad guys are guys. Some are girls.

    In real estate, we have a similar application.

    If we are interested in our clients getting down to the truth concerning Escrow documents – we have them vetted with our own escrow officer. While she is not part of their escrow, she is even a more independent party able to give them the truth concerning what they are signing.

    One such story comes as of late. We have all buyers of our sellers real estate listings vetted by a lender with whom we work with and trust.

    Here is the email content that was sent to us by Dwayne with Augusta Financial pertaining to a buyer whom we are having vetted by him concerning a listing one of our sellers is selling through us.

    While this buyer has their own lender – the vetting process paid off in this instance, as it has in the past.

    The buyer was approved for a loan through another lender – but things did not add up, as you can see.

    That is why we are a top choice amongst sellers in the Santa Clarita Valley Cities!

    Here is the response from the Augusta Financial Lender:

    “I have reviewed the items provided and I have a couple questions  that could affect the approval on this file.  

    1. The income used at $5500 per month appears a little high to me.   Her previous years W2’s are less than that.   Maybe your VOE would support your income.   You also have another $130.00 in ‘other’ income?  
    2. The larger concern is that your DU ratios are at 43.46% (with the income used).  This is at 97% conventional with a 660 FICO.   I do not see that you used monthly MI.   With a 660 FICO the MI would be over $320 per month.   The taxes also appear to be low on your DU with a 270k purchase price.  

    At this time I cannot pre-approval this buyer with the information provided.   I think this buyer would fit into an FHA loan but I do not think this condo is FHA approved.   Let me know if you have any questions or if you have additional information for me to consider.  


    Dwayne Okpaise

    Loan Professional

    Augusta Financial

    24018 Lyons Ave, Newhall, CA 91321

    Phone – 661-260-2970 Fax – 661-554-7121

    Email –

    NMLS #330251″

    As you can see we thwarted a seller from potential tragedy.  Reach out to us when you are ready! We are REMAX of Valencia – the Housing Radio Team at!

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    Paris and Connor MacIvor

    Connor and Paris MacIvor are in the Top 1% of Realtors Nationwide, starting their real estate business in 1998 with RE/MAX Gateway - Santa Clarita Valley and Valencia CA. Their becoming licensed real estate consultants and representatives came from the horrible experience they had when they bought their first home. There were many things that the agent they had hired did not explain and disclose, which per law he should have. Getting that agent on the phone after they closed escrow and after he had gotten paid was impossible. Paris and Connor called the broker, the board of realtors, the office manager and all they received was the promise of a phone call back. The remedy did come, but not as fast and in the way they wanted. That act - that bad agent was the reason why Paris and Connor became Realtors. That was all they needed to vow to never let the same fate befall anyone else, that befell them. Today Connor and Paris are focused on client service. Protection and top-shelf service with regard to their real estate clientele. They primarily work within the Santa Clarita Valley and Valencia CA. However, for a referral, where 80+ of their business is referrals they have License and Will Travel to other parts of Ventura County, Los Angeles County, and Orange County to handle real estate transactions for those who trust their real estate operation. Writing on their Real Estate Blog is a passion. is where you will find over 10,000 real estate articles. Go to to listen to their latest real estate radio broadcast.

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