This is a business purpose loan and will have a prepayment penalty and possibly cost a bit more than conventional financing.

However, with the disclaimer above, I'll, for entertainment purposes only, provide some thoughts on rents in the US for the next few years. 

What is the purpose of the two million low-interest loan to Seminar Solution LLC?

For our purposes it's all for an income stream. 

There are some buyers that are just a complete terror during warranty periods with expectations that are not at all aligned with the purpose of a builder warranty.

@Elizabeth Leb Every dollar of that $20k needs a purpose.

I'm not understanding the purpose of wanting to refi.As for the phone calls, look up trigger leads and how to opt out.

New construction requirements are for the sole purpose of keeping the trades working, elec, plumbing, mech, siding.

@David Lecko: I appreciate your dealing directly with these "complaints" Personally, I find it to be a very useful tool for the purposes I use it.

I didn't have much money, and not much experience but I used my background in finance to put together a syndication and buy an old office building and drive thru on .59 acres with the purpose of developing housing.My passion was creating housing in a city with under 2% vacancy and skyrocketing housing costs.