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17h ago
inHot take: 10 years ago my broker could do a stated income loan over the phone in 20 minutes, now the same deal takes 3 weeks and 40 pages of paperwork
Bank statement loans still want 12 months of statements, a CPA letter, and a full rundown of every large deposit over 10k. My guy in Tampa does them with 12 months and a simple LOE, no blood sample, but the rate is gonna be like 9.5 so pick your poison. The 2013 stated income thing is gone for good man, that ship sank with Countrywide.
2d ago
inI spent 6 months stacking my astro subs by hand before I saw the flaws in my own photos
Heard a guy on a podcast say culling is the cheapest upgrade you can make to your setup.
12d ago
inJust wasted $25 on an AI upscaler that made my mashups worse
Used to think paid upscalers were worth it. Nope.
17d ago
inThe Saturday I sold 47 croissants by 9 AM and cried in the walk-in
Man, that honeycomb crumb will mess with your head when it finally shows up right. I ran a bakery for years and the inconsistent lamination thing almost always comes down to two things: your butter block temp and how cold your dough is when it goes in. If the butter's too soft it smears into the dough instead of staying in layers, and you get that bready crumb instead of the pockets. Next time you nail a batch, write down the room temp, the butter temp, and how long you chilled between folds. A church group plus a wedding planner is a fluke, but the crumb you got? That was earned. Don't let anybody tell you it was just the calendar.