I would be fine with a $10k non-refundable retainer and $500/hr. personally.

Some credit unions will go to 85%-95%, but there are just a few that will do 100% loan to value! 

Personally, I would hang on to the cash.  

You must have your personal finances in order before you invest.

I was working with a local credit union who pulled out at the last minute.

Your ability to connect with them on a personal level matters more than your offer.Think about it:  • The “Used Car Salesman” is only focused on closing the deal as fast as possible.

Start with these three key points:Current SituationAssess your current or expected capital and credit within a realistic timeframe.

Not talking about you personally.

Not only will lenders be effected, but borrower credit, business loans, inventory, and auto credit will suffer when those effected have to relocate, find long term replacement housing and their livelihoods and income are destroyed.

So the question becomes based on their individual and personal tax situation what is the estimated tax burden they'd save?