She needed the money and I really wanted to help her out too; a really nice old lady ;)  It was a really attractive deal, so to say the least I was all over it. 

Neighbor lady came out and looked at me.

Each lender came back with varying deal obligations and as you will see below Commercial Lending is the Wild Wild West: The first didn’t want a second on my primary residence but wanted 30% down and for me to pay for inspections and appraisals on each property (6% on 3 year callable, 20yr). 

The lady lied to me says i can put 5% down conventional loan on 3 unit than after doing a hard inquiry on my credit.

The document fees are what will vary wildly from company to company.

I do my best to limit my exposure to this wild west style lawsuit culture we have.I am starting to flip properties but, for the last few years I have purchased rentals to hold. 

I finished a remodel for a lady in texas. 

One of them is a good friend of mine and the other one is a young lady who works at the hospital and says “I’m just looking for a bed”, and honestly imaging she's going to be super quite and practically not even there... but I am curious as to how to determine who would be the better tenant, while also not being a greedy piece of 💩...I want to help them both, but also trying to be a savvy businessman, I don't know what the right answer is? 

The document fees are what will vary wildly from company to company.

San Jose is a wildly different market versus Houston.