Quote from @Luis Maza: Hi all, returning to the game this year and would like to pick your brain a bit, we started working with a wholesaler that will send us properties here and there with the "wholesale" price, but every time we check the properties and add the numbers, the margins are, well, I am not sure, too low perhaps, maybe we are getting to picky, but this is my dilemma for example...Today we got a property, wholesale price 300K, rehab about 50-60K, ARV is about 440k, but with the cost of hard money, we have about 100k cash, hard money interest at 11%, keeping the property for 90 days while we finish the rehab, closing costs,  commissions, we ended with 30k profit before taxes, while it sounds appealing, adding up all expenses and cost we ended up expending 50K on rehab(labor/materials) and about 50-60K with cost of the loan, interest, commissions, etc, everyone makes money, happy with that, but it seems that we are working to produce a 100k for everyone else, while we make 20-30k if everything goes well...In my opinion, we are not really getting "wholesale" price, it seems that we either buying to expensive, rehabs are much more than we would like to spend and the cost of borrowing that money is too high...We came up with thoughts as: lets fund it ourselves with money from a close friend/partner that we will bring in, and that would save us 10-15k here and there, but still, is that the norm now?

I added some points to my list now.

I'm collecting more evidence from this lender and already connecting even more incriminating evidence and adding on more charges to these guys.If you or someone you know has EVER worked with any of these names, please reach out to me incase what you have might seriously help out my case and save other lenders, other attorneys, other regular people etc from being screwed. 

Quote from @Brandon Croucier: Well once the loan is Originated there’s no taking one out and adding another, I wouldn’t touch a blanket in that position then, there will be difficulty taking one out/penalties, definitely just suggest a cashout refi.

The one thing I don't like about OR is that they have "premium" features that just keep adding up. 

Most of the first page now seems like its sponsored ads so I typically will go several pages deep when researching something.

The partial claim issues have only just begun .

While cleaning is a huge and necessary expense, you can also make part of your ROI by adding an additional amount to the cleaning fee. 

Adding a single ADU in southern CA is typically a poor investment.  

Wholesaling is just adding another time-for-money trade to your already busy schedule.