And you can group the two with -9 election.

If you elect a PPP shorter than 2-3 years in most cases, the lender is simply going to collect that fee A) upfront as points rather than as a PPP, or B) with yield, meaning a much higher rate.  

Believe it or not, the election is also having an effect.Be patient.

Don when I lived in Napa I was at a cocktail party of a buddy Who was very well connected in the corporate world being a Brand president for one of Nestles companies. ...

Review your loan agreement for restrictions, and consult legal and tax professionals to ensure compliance and protect your interests.In C State, you can elect to file MMLLC as disregarded entity for tax reasons.

Quote from @Xavien Rafael: Year 1: Building the FoundationThis year is all about setting up your structure, building your business credit, and laying the groundwork for funding and scaling.1.Open Your LLC:•File your first LLC and elect to file as an S-Corp (if applicable to your tax situation).

Real estate is VERY slow to react and will take a minimum of a year before we see how the Presidents economic policies affect us.

Everything that our newly elected president talked about during his campaign trail leads to higher prices. 

The stupidity is your state and federal elected officials.

You need an LLC to elect S-corp for tax benefits.