Their interest rates were also much lower than their competitors.  

We happen to be the nation's largest provider of real property data and have a greater geographic footprint than our closest competitor (who created AgentPro247).As the OP brought up, there may be a price difference.

If my phone rings too much, I swipe left and respond with a text that has the time that the property will be shown.

You lose the luxury of swiping your card at the pump.

Like me, perhaps they have taken extreme measures to learn how to sell.While you may have a feeling that competition will not be a problem due to your motivation and your ability to excel at everything you do, you may be well advised to remember that there are those Investors in your market, who are well trained, highly motivated, and are relentlessly good at what they do.Unless you know what to do, or how to do it... what to say, or when to say it.... then your competitor, who is also highly motivated, and excel at what they do... who has taken the time to learn what to do, what to say, and when... will unfortunately....Slaughter you every time.  

I haven't pulled the trigger - looking for competitors to Dwell to compare against.Ashley's idea about credit unions and HELOCs is a good one.  

Are your competitors allowing pets?

And all the big competitors in my area are using investor carrot sites.

Do you think that Mark Zuckerburg needs to run down and sign the application or swipe his personal credit card every time one of his departments needs a new batch of laptop computers from CDW? 

They are going to have to pay $800 more a month for that chef kitchen in the area.Four Competitors are still available in the one square mile and they have dropped their prices by $150/month or more this week.