The information provided is for general knowledge based on my experience and should not be considered tax or legal advice.

Appreciate your thoughts and words of warning.

Always had to jump through hoops but always had it based on the property / asset

In other words, not resold to the government so the bank had more flexibility on the condition.I look at the original commitment letter and it states "xxx amount will be advanced at closing for the purchase of an investment property, and the remaining balance of the loan to be placed into an escrow account to be disbursed as improvements are made".No points, and only one closing, so I don't have to deal with a short term HML that I have to refinance in under a year.Hope that helps!

At some point you may need to consider the following:- The website that's monetized based on clicks and advertising and page impressions says this is a super easy thing and everyone should do it.

However, based on your timeline, it seems like your decision may have already been made.

I’ll definitely make that a priority as I build my team.I also appreciate your point about using different contractors based on the scope of work.

And do you think you're the only game in town?

You can't decide which one to choose based on the minimal information you provided.

I do not personally use him based soley on the fact that the firm is virtual.