Borrowers will be provided an upfront disclosure detailing this information.Contractor(s) Acceptance: Ø does not “approve” contractors or refer contractors.

The distinction is that 4 units or less is referred to as residential/small multifamily, and 5+ units is referred to as commercial multifamily.Here are the CO state guidelines for "Motels, Hotels, And Multi-Family Dwellings": https://www.sos.state.co.us/CCR/GenerateRulePdf.do?

Since we have not worked with this group before, I am hoping to get some references.

I also refer him to all my clients as well.

Check current mortgage rates as a reference.

Do you check Landlord references?

That's likely to lead to them referring you to a potential employer.

Instead we refer our clients to Solera bank, they have dedicated department for IRA/401k clients so if you contact them - you will be speaking with a rep experienced with this types of accounts.

Piercing the veil refers to holding an individual or other entity responsible for the actions of an entity they hold an ownership or managerial interest in.  

When people refer to a "credit line against your home," they are typically talking about a HELOC.