Local and regional banks all of their own loan committees to terms are different, history matters, relationships matter, so it's different than an originator that will turn around the sell the paper.

We have been eating with paper plates and cups since September 1st, and since we can't store anything in the kitchen, our dining room has become a storage area with plastic shelves, boxes and a china cabinet that acts as a pantry. 

Every lawyer that’s commented on other posts with this question have stated LLCs aren’t worth the paper they’re written on when it’s a sole proprietor.

The deal look good on paper but I'm having problems finding a lender.

I was verbally told 4.8% when we were going through the initial paperwork, but when the paperwork was written up, the rate that was on the papers was 5.5%.

On paper it makes sense to me... $400k home, $300k contract, $300k mortgage, $100k worth of equity built in, which I surmise is enough cushion to weather the next storm.  

Since 2009, when I first attended UB, the North Campus student housing has expended quite a bit and there are still plans on large scale multi-family developments underway. 

Verbally informing them they are accepted is not binding without ink on paper. 

Some sound good on paper and then lack customer service, etc. 

Looking for options on the correct way to insulate...I could use fiberglass batting without the kraft paper but given the vapor barrier should be inside the insulation I won't really have any way to do this.