Institutional private lenders operate on a larger scale with more structure and formality, offering quick and flexible funding but within a regulated framework.

I have all the funds at hand for at least one property, yet I'm confused between the various choice options including Jersey City, Newark, Union County, Bayonne, Camden etc.

On larger loan amounts saving .5-.75% might be a solid deal.

Now that I have a property manager, I heard the %18 and believed that to be the total expense without realizing the additional (cleaning fee, lawn care, state taxes, pool care), etc...so the effective rate is much larger and my net take home much less than I anticipated.

I have found myself defaulting toward larger, national banks/brokerages because of their resources, product offerings, and potential.  

If she's a salesperson, then its not their choice how much they charge.

I agree Don and in my earlier days in Northern CA brokerage activity it was common for listing agent to take less than selling agent.. when I moved North to OR WA it was the opposite listing agent would take a larger cut and they would justify it saying they did that because they had to pay for advertising and marketing etc..

Better return vs risk. compared to the larger more expensive property.

NACA could call the loan if they think you didn't make a necessary choice, they do not consider paying off credit cards as okay.Your HELOC lender can also close the line if your FICO goes down or they find out they are in 3rd position.NACA is an amazing product no down, no PMI, low rate, no fees - you sure don't want them to call the loan.

It's been two year hopefully you made a choice back then 2 years ago when the situation is much better.