I'm a 20x AirBnb superhost who realized I have more productive uses of my time than hosting directly.

That will have a much larger impact on your outcome versus the debt product. 

There’s no reason to go through a disaster (I'm mid recovery myself) and not get the financial upside by becoming the developer and selling a finished product versus raw land.If you have to completely rebuild, it’s a two year process at minimum.

Attitude and professionalism are paramount; product knowledge next, and then there's your contact/follow-up systems.Put that together, price-test against the market, and you'll have a sustainable, constantly expanding, and very profitable venture.Good luck! 

This is your product, and you are branding it for maximum consumption.

@Tayvion Payton to get a better understanding of the loan products, it's best to have a conversation with a commercial loan officer at a local community bank or credit union.On commercial, the number one rule is a deal meeting their DSCR loan covenant, which is typically 1.2 to 1.25. 

I saw on their site that one of the owners is an attorney so U have to figure she knows better than to take comp for selling this sort of products.

Better spammers - the ones that aren't trying to sell goulash in Cambodia - will ask some type of question first before responding with their own products.

I'm interested in hearing what types of loan products your company offers.

You are likely overpaying by $5,000.Broker fee of $3,000 and Processing Fees of $2,000 seem out of place...but then again, i never used a broker to get a loan so I am not sure about that.If the broker was able to get you an interest rate or loan product that you wouldn't be able to find on the open market...its high, but likely fair.if you are getting a loan product that you could have gotten by going to a normal bank...seems high and unnecessary.