I absolutely refuse to even speak with any of their guys when they approach me at REIAs and meetups etc.

Other dscr refis put me at a higher monthly.Appraised Value $700,000.00Sales Price $680,000.00Loan Amount $544,000.00Payment $3,966.67TERMSTue In 480Interest Rate 8.750 % Interest Only Months 120Total Payment (PITI) $4,832.78APR % 9.065 % Margin % Index % Floor RateFloor VerbiageConvertible: NoPREPAY: YES1.

Hovever other requirements need to be meat to be a legal bedroom.1) ceiling hight min req.2) egress3) must be more the 70 sq.ft.

And I checked yes, which was upsetting to me at the time. 

Surely if my "predatory" deal is able to make money, there is enough meat on the bones for you to be able to offer them better terms and still make a boatload of money for yourself.I can offer people more money than anyone else, that isn't predatory, for a lot of people that's salvation.

None of the big banks would consider me at the time either.

There simply may not be enough "meat on the bone" to make a profit commensurate with the hassle and stress.

Additionally, when I asked some probing questions the guy I was speaking with got defensive (red flag). 

However, based on your capital costs, leverage, and cash flow, it does not make too much sense to me. At

Being you is what makes you special.Now I'll dive in on another post on SEO Meets REI (Keith/Andy)  Trevor,Thank you, man.Like you, I too admit and agree that my communication style is making Carrot (And bigger pockets) keep me at a distance, and I ABSOLUTELY do not blame you/them.