But there are products that go all the way down to .75+ ratio and even no ratio.

You mean you use one GC and how not t o overuse his crew so production slows? 

If you have a finished product, they won't move in for 60 days but your lender requires signed lease and/or move-in for refi...this will delay your refi.

Welcome to the forum @Chris Primavera.Seeing as you are brand new today, it would be good for you to search on the forum for those areas and read everything there is about those markets.Grab @Avery Carls book Short Term Rentals Long Term Wealth and read it. https://store.biggerpockets.com/products/short-term-rental-l...It is chock full of info that you need.

Quote from @James Wise: The term "cross selling" is used when you sell related products.

No paper towels, no "flushable wipes", no dental floss, no hygiene products, no tee shirts (real example). 

Start by setting up a proper business structure—an LLC or S-Corp—and obtaining an EIN.

The bank will sell notes to other banks, mortgage companies, dealers and those who hold the proper license in a mortgage industry activity, just not to Joe.

Hey @Steve Johnson, I found your website but it does not explicitly mention HVAC and I actually was about to ask on the forum if anyone had a recommendation for a furnace repair job... not a big job, one unit in a duplex not working properly.

no argument from me.. but I think they do that to legitimize the company/loan product.