@Jason Sung, I would certainly get a few opinions from multiple people.  

Of course there are plenty of different opinions so do what will be best for you.

$49 is a good price....much more than that for a national course in my opinion is a waste of money. 

Visiting the city frequently, I noticed that it is not as alive, homelessness and crime are rampant, car break-ins are high, and the overall vibe of the city is very dirty and poor in my opinion. 

The point being is that a lender that gouges a client is either getting their capital at a higher cost or they view the lender and borrower relationship as transactional and don’t see the lifetime value of the relationship, in my opinion. 

A few weeks ago I had a meeting with a mentor and asked his opinion about this.

Have them give you their opinions of the different areas, look at the incomes and average home prices. 

Please understand this is my humble opinion only! 

Looking for some opinions....I have forwarded this to my attorney as well so I am just looking for opinions from those experienced in private money transactions, I know that I should consult an attorney.I own land that I am trying to build out a brewery on in NH. 

Any thoughts, advice or opinions?