starting to work with smaller banks/credit unions, and establish a long-term depositary relationship, unlike big banks, instead of selling the loan and just servicing them, some smaller banks will hold well-qualified loans in their own book, this is where you break the magic number of 20, then after, with a long term relationship with this bank, you can consolidate the loans into a blanket loan, or go commercial.
也談窮人花錢基本靠借… - smlandlord發表於 投資理財 - 論壇 | 文學城 (wenxuecity.com)