I heard that less than 20% down causes additional insurance fee? 

Fortegra is non-admitted in California and that's likely causing the issue.

The inspection and approval process of s8 basically causes s8 applications to be lowest priority processing.  

You’re going to be personally sued no matter the cause of the loss.

@Sharvil Patel1 is incorrect because of 3.5 is prohibited in many jurisdictions or at a minimum causes insurability issues on future transfers.

Most investors on this forum are obtuse to the complicated nature of macroeconomics, cause and effect.

I don’t know if the cause was fraud, incompetence, or a combination, but it is really sad.I was able to work directly with my borrower and my loan is still performing (amortized it rather than keeping the balloon). 

Faster TurnaroundsSmaller projects often take a backseat for licensed contractors, causing delays.

I heard but don't know the veracity of this claim, However FLA suffers from a lot of fraudulent claims there by also causing rates to be higher.. 

There can be specific issues that can cause the distribution to be taxable related to partners having enough basis / debt basis to distribute the proceeds.