My cost to operate using their current expenditures (which I have intentions to reduce) would be at $400,000 conservatively. 

I am trying to maximize what my business can pay for while reducing my personal income tax.

Are there ways to reduce premiums without compromising on coverage?

Hello,I'm looking for a little advice on which debt I should reduce.

You could adjust the scope of work in another way to reduce the costs to compensate for this addition perhaps by using a cheaper flooring for example.

It may reduce the payments.

Hybrid StructuresYou can also blend some of these terms to create more flexibility: Monthly Interest + Lump Sum: You could pay a reduced monthly interest rate (e.g., 5%) and offer a lump-sum bonus (e.g., 3-5%) at project completion.

Lots of newer neighbourhoods have detention ponds built to reduce the amount of water going into the storm sewers during storms, so I wouldn't worry about it. 

Insufficient reserves result in vendor bills piling up, value-add strategies running behind schedule, and returns being reduced, so it's important to have a clear picture about how well capitalized or undercapitalized a deal is so that you can truly assess the risk.

Great news for some, the loan will be a portfolioed loan and they are probably insuring the portfolio and reducing risk, but other underwriting guidelines would be interesting to see.