Reach out, keen for a voice call whenever free.Josh 

I recommend reaching out to Krista Debrine at Banker Exchange.

I love the why and your current game plan.

Gotta have some skin in the game. 

I did reach out to the refinery, but I will need to follow up with them.

@Scott Tennell there might be two different definitions here to the PML term.So, if you mean you are reaching out to PML that lend money all the time and have experience doing it - then they will tell you what their requirements are.  

The agreement reached was the landlord would lower $100 of the rent (current rent: $3100) in exchange for us to paint the two bedrooms.

Oakland, Berkeley, San Diego the rules will likely be, or has already been,  changed mid game so the 15 year limit is not reality.  

Negative posts and lawsuits are like chopping off your nose to spite your face.I’ve respectfully reached out and asked for an update.

If you have any questions or would like to chat, feel free to reach out!