Personalizing your message to the individual recipient is the best way to avoid this.

I spent about a year there and I had an overall good experience.Most KW offices hold weekly in-person training hosted by various experienced professionals.

They may get paid on the 3rd and need to not initiate a payment until their paycheck hits their account to avoid being overdrawn.I personally have a 5 day grace period and rent is considered paid when the transfer is initiated.

I ran into these gugys personally coming out of the GFC were money was really tough to raise..

Yikes I am almost afraid to jump in on this one, however, I know Joe personally and he is not a scammer.

There are multiple potential strategies it's just really going to depend on your personal situation. 

Even if the owner seems like a really nice person, they will micromanage the builder and not like the specs of the house the builder needs to do, and/or the timing in which the builder gets it done, etc. 

I will be renting ADU fulltime and will not use for personal usage.

can anyone you know in person vouch for this lender? 

Recently had a conversation with an MLO who had their license with Company A (NMLS regulated) and then on the side, this person conducted commercial-only business loan-related activity by starting their own LLC (company B) in the states where no mortgage licenses are required.