Quote from @Gabriel Morales: Thank you for the advice, I was leaning towards pine because it is cheaper. 

Quote from @Mario Morales: Hi Nathan, who do you use for collections?

thanks @Joe Jor and @Kyle SpearinBut Joe, even if I use hard money or private lender doesn't that leave me in same predicament as using trad financing? 

Quote from @Luis Morales: New investors or people who are getting into the game ask me "Is flipping properties still a good business now?"

@Steve Borawski - Sounds like a tough predicament.

We did almost 140k last year in two strs and on track for more this year, so I guess the moral of the story is I am behind any investor that pushes hard in any way as long as its monetarily responsible.

@Carolyn Morales Wow!

We organize and manage the project with a good moral compass to guide us.

Quote from @Mario Morales: My 2 cents, I was surprised to learn on a DSCR loan I was looking into, there was a prepayment penalty, as I was hoping to cashout refi when the rateds dropped...at some point :(  Hey Mario, DSCR loans without prepayment penalties exist. 

The dynamic gradually went from me needing them and vetting me for their program to aggressive now or never ultimatums, challenging/criticizing my commitment and morals, and using religious appeals and made up personal stories to try and get me to see the parallel and cave/sign/pay.