if the answer is no.. then please keep in mind this will be next to impossible for you go get unless your financially strong enough to walk in the local bank and borrow from them. no HML is going to loan that kind of money on new construction for someone with no track record.UNLESS you put in a huge amount of cash.. up front. so were We see all these folks getting scammed is they don't realize they really don't qualify for financing.. there is some notion running around that HML are just equity lenders they are not.. they are experience lenders IE how many have you done.. first time borrower VERY short leash. so you have the scammers saying no problem  the bigger the loan the bigger up front fee they hit you with and never fund.If you have the ability to go on American Greed website.. look up the episode on Remington financial.. they were the mother of the pump and dump Due diligence scams.. 

But I went to the website and there's a lot of guru talk that's kind of a turn off to be honest.

This juice is very smooth and a wonderful aroma with hints of all kinds of stuff that I can not put my finger on.  

I recommend you add a little more detail to this post.. what kind of property etc etc.I have done probably more than 12 to 15 deals in south side all 2 to 4 flats.. at first they all sold to investors the last 3 or 4 sold to owner occ. 

All kind of stuff. 

Freddie Mac and Fannie Mae, kind of like special lenders, offer good rates but need well-kept properties with lower down payments and longer payback times.

Seems like okaloosa is very busy and lucrative during summer, but kind of a dead town in the winter. 

Some will go with a nicer pad and a cheaper carpet.The nicer pad makes the carpet FEEL more expensive to the tenant when they walk on it.A great pad also resists wear and tear and if you need to replace the carpet the pad usually can be used again.Used to you would put a plastic membrane in between the carpet and pad to protect the pad but the plastic would slide and make noise sometimes.Now they have pads with built in protection.You are not looking for the cheapest product but the best VALUE for what you pay.It depends on the area and what kind of tenants and rent base you are working with.

Kind of like going to artist receptions or open houses for free food & booze.If you're really considering hiring a CPA who offers a free consultation, then it's exactly how it's meant work.

It kind of seems you are stuck with them though since you accepted the insurance money already.