I reached out to a second lender that has more agreeable investment lending products and I think we are going to avoid putting it in my personal altogether. 

Hey Robert, I have struggled with the adjacent before/after for different reasons as well (Pricelabs really needs a better education model) on their product, but I was able to figure out my issue by reaching out to them.

There are only so many PRODUCTIVE hours each person is capable of producing.  

First Republic - CaliforniaFremont Bank, CaliforniaFulton BankGFA Federal Credit Union 10 yr draw, 10 yr repay, MAGranite State CU, NH 90-100%Great Lakes Credit Union GTE Financial, FL w 2 yrs tax history on propertyHanscom FCU, FloridaHSBC 70%, for premier clients only Horizon, Kalamazoo MichiganHuntington 75% LTV 5 yr IO product available.

The product is available but the pricing is not as pretty by any means, you’ll be looking at a rate 1-1.5% higher and possibly an extra .5-1 point in cost right off the bat. 

When they go to sell they find this out when they have no equity in the deal. 2) they go for the interest rate, which can be refinanced down, instead of the purchase price that can’t be changed after purchase. 3) the location and product are carbon copy with their competition.

People, process, productBuild a solid team, create a solid repeatable process, have an awesome product!

That's why I'm currently training new staff to ensure we can always deliver properties with the required quality standard and efficiency.By the way, do you think it would be interesting to offer some basic customizations, like themed paper products or towels, during specific holiday months? 

Quasi govt’ loans are 12 months - but these investor specific products allow you scale quicker.

Building plans are 'instruments of service' not products.