It is very time consuming to get permit approvals and you may be in a position where you need to extend, pay fees, etc.. when your loan is past due.   

We shall see, I will update if I see a loss but again do not expect it.So my life has been consummed with putting together the 1st few concept drawings of my project.

They have someone assigned to "Consumer Complaints." 

You might want to study up on the Telephone Consumer Protection Act.

I checked the Better Business Bureau for complaints, I checked the NJ State Attorney General consumer division to ensure he was licensed, I checked every reference he gave by visiting sites and speaking with the homeowners. 

Changing Preferences for People’s Desire to Live in the Metro AreaThis is likely due to the newfound appreciation for these types of community and experiential activities from the inability to access them during the Pandemic, as well as the lack of need to be near transactional retail stores with consumers now being accustomed to doing a lot of their shopping online.

Maybe all of the investors should file a complaint with the Florida Attorney General - https://www.myfloridalegal.com/consumer-protection/consumer-...

I completely understand all the financial calculations and models in the system and yes, it would have been fairly easy to build one myself, but very time consuming.  

I found the setup and management process on Booking.com to be horrendous, not intuitive, time-consuming, fees are expensive, I had to manually process credit cards, and only got a few bookings for my trouble.  

Again, this is with commercial/investment property; owner occupied or consumer loans may have legal issues rendering this technique non applicable.