Both of them are paid off; but I herd the fourplex might be at higher rates since they look at NOI instead of LTV? 

While the other would always have strong rent potential potentially reaching into the $3k if it is heading toward CA prices, seeing how Californians are moving here in herds.

Things that require security like this add financial risk because construction is like herding cats, And can be filled with time delays that mount up .This is something a more experienced operator might have known to look for, but still read and notate every contract before signing.Good Luck!

This group is like a herd of sheep being brought to the edge of the cliff and no one is asking the question why is everyone jumping off....Here is also another online review.Gator Lending Reviews | ScamRisk

@Stuart UdisFollowing the herd off the cliff.

Don't follow the cow herd.

Today’s environment will “thin out the herd.”

Because they found out the hard way that while Class C rentals look good on paper, they really don't perform as well as Class A or B.Keep following the "herd" and see what happens...

@Maciej G a radiant barrier for the attic might be an option unless the insulation is all ready completed.

There is a right way and a wrong way to do a LLC, 99% follow the herd on biggerpockets and think they are "protected" by doing this but all it seems like they are doing is throwing money away by making life harder for themJust my non legal 2 cents on this.