Banks have plenty of excess reserve; therefore, they are not under pressure to close quickly. 2.

I really think it's excessive small repairs and trouble tickets that are eating away at my rental income.

Most private lenders will want returns way in excess of that (think double digit interest rates), unless it's family or something along those lines.In order to make the deal work for them, you will want to structure it with an exit strategy that allows some way to convert the loan into a regular mortgage, allowing you to pay off the high interest private loan.Basically, you'll want to put together a deal just like you are doing a flip.

To fully understand the problems of any excessive regulatory burden, it is necessary to consider just how small the majority of lenders are and how and why they currently exist.

The rate is 1% for the first 200K in value, 2% on amounts in excess of 200K.If the property is non-residential or mixed use, you will pay the federal Goods and Services Tax (GST) on that portion of the property's value which is is not residential.  

I know hard money can be expensive ( pts, 8%-12% plus every fee they can stick in the agreement ) but the expense deposit appears to be excessive to to get started.I appreciate all feedback

Otherwise send them a letter asking for an explanation of the excessive charges.

I thought it was a little excessive.

., to the face of someone who leaned down to pet it), a slice from broken glass, or a freak accident which renders someone quadriplegic, can and has, resulted in claims in excess of many insurance policies, and in the last example, led to a claim of close to fifty million. 

Have an additional umbrella policy on the property to cover excess liabilities and lawsuits. 2.