We tend to stay just below our competition with a superior product.  

Crappy products made not to last.

@James Wise , I agree that engaging with petty disputes isn’t productive.

Any facilities coming online, bringing production back from China as an example? 

Good neighborhoods & good products. 

You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML? 

I dont want the money to become an issue but a by product of helping others ( scaling ). 

I wasn't sure if the loan product matters.

I believe up to close to 40% down with a 720 or greater credit score on a conventional loan product could give you the best interest rate. 

The other flag was Lee pitching one product or another every other day!