Timing being of the essence or not, you still have to be sensitive and make sure that you're not coming in looking like an opportunistic vulture.

Be careful of incurring liabilities in a sensitive transaction.

Keep in mind the answers to your questions are highly subjective and market-sensitive (Metro Atlanta, for me).

and you have little built in equity, leaving you very sensitive to market risk.  

Giving sensitive information needed for the loan process to someone with an LLC (which isn't difficult to make) that I can't validate seems rather risky, thoughts?

I help one of the elderly tenants with the install every year because he is very patient and it is not very time sensitive for him. 

I know the holidays can be a sensitive time for people, especially those in tough situations.

Some contractors even specialize in rehab-type production and are generally more sensitive to the need to offer high quality at lower cost because it keeps them busy - it's production work. 

One sensed that you were more rate-sensitive and showed you a lower rate scenario, the other sensed that you were more fee-sensitive and showed you a lower fees scenario.

Most banks would  not intentionally  try to cheat a customer in such a way because it would damage their reputation, which is something banks are very sensitive to.