But right now "junk fees" are popular in the national conversation.

I am within the rules of the Florida statute regarding security cameras and not recording conversations. 

And now your building a community and reputation with the BEST finance-$ there is, PRIVATE-$.

If you have emails, text or written conversation that is better..

Realistically, what would you want to see from a private lender?

I think that's exactly what I would want to do, but I'm clueless as to how much such a bedroom conversion project would cost.

I had a conversation recently about debt in America and what came to light was how will the American people respond having a little more cash in their pocket.  

Happy to have a conversation as I have extensive experience working with non-US citizens.

The law allows a private person to create a contract for a property they want to buy or sell.

Live in new home while it appreciates for 10 years until I get a faculty housing spot, sell private market house, put proceeds (minus downpayment) in bank for retirement (I estimate this will be 1.3 mil before capital gains and real estate fees based on 7% growth in a very desirable Southern California location), and take out new loan for lower cost faculty housing.