One thing about this area is that there are people from all different ethnic backgrounds and cover the entire financial spectrum.

On the other end of the spectrum, if its going to a buyer moving up, they may want the granite countertops, nicer fixtures, and stone flooring.I also look which houses Im going to be competing against.

Give them a price on the higher end of the spectrum.

If you had to do this, then they are attempting to take your full spectrum of debt service obligations into consideration properly.

For those of us whose talents lie in the more practical portion of the spectrum, Houzz is a great place to shamelessly borrow design ideas.

An important thing to remember is that these strategies are on a spectrum.

By the way, he's still actively lending in that area; he has no competition doing $50k loans in rural areas.I'm curious - for those who are saying hard money is insanely expensive, on which end of the spectrum do you fall under? 

I wouldn't call it gray just because that indicates a spectrum between legal and illegal.

I on the opposite end of the spectrum, want to bring in investors or cash and bring up the properties value.

@Freddy Morgan I haven't heard of this but smaller banks are usually on one end of the spectrum (more lenient or way less lenient).