If you come to me and say you super handy ready to take on a major renovation my answer will be different compared to if you come to me saying you need turnkey and 30 minute commute to NYC.  

@Tj Collins, The differences between states is limited to reporting of the sales at this time. 

But he chose that one over the others because it was very user friendly (for our older managers) and it offered a 'Groups' function where we could add certain individuals to different projects.

From there every 20 point increment affect pricing differently.

Best bet is likely (not absolute - everyone's situation is different) is to look at a national lender or broker that has options in lots of states - its a great development versus 20 odd years ago, with technology, internet, places like this - can have access to many more options than before (local broker or lender thats it)

Management doesn't get a percentage of cleaning fees so something seems off or else its just very different there than here in Illinois or Tennessee. btw: Is there any way to eliminate the propane?

My househack I structured a bit differently on the lending side to make it work better for me, so if you have questions on how that might look happy to help.

Before you go any further, I think you should understand they are 2 entirely different things.

If you have a different strategy you might consider different places.Oh, this is so funny

If you pay cash you'll pay yourself back percentage back, if you use the a hard money loan the refi would pay that off and the difference would go to you