I found something I am interested in and the numbers look good all around but my main concern is safety as the southern part of Bloomfield does not seem to have the most stellar reputation.

Should a payment later bounce, they debut the amount back from your account,  Randy 

Two of Palm Beach and Broward County's stellar businessmen.

Those numbers are stellar.  

I am paying him 1 million to build all those houses.. but keep in mind I do all the accounting and pay all the subs directly he acts more as a site supervisor .. but he also has a stellar reputation so we get a lot of milage when we say its a XXXX built home can put a price on that.However i have used this same model in Charleston SC for 600 to 2.5 mil homes ( built 40 homes) cant buy lots there anymore that make sense...

So bottom line is my experience with Wagner and his team has so far been stellar. 

Normally, the cap on seller concessions is 6% of the sale price, but that’s not the case for commercial loans.Here are the trade-offs:5-year stepped prepayment: A typical residential loan at this price point isn’t allowed in the state, but with commercial, those rules are different.20-year amortization: This means higher payments, but it forced me to ensure my deal works under strict terms.Interest rate: It came in at 7.9%, not stellar but still good.Overall, I’m pretty proud of this deal.

Check other lenders, it wouldn't surprise me if the underwriting is stellar but the rate is higher than expected.

I suggest reaching out to @Jorge Vazquez He's been in the Tampa market for over 20 years and has a stellar reputation for helping investors.

I was going to ask why you only had $20,000 saved after such a stellar year, but then I noticed you wrote, "...my team leader..."