And some of these left HML in a tight spot borrowers could not access their draw money.. this happened just recently to Fund that Flip.. and their borrowers I know i got a call from one of them that was owed 300k in draws that was not coming.I can understand that rates aren't what they are when you close as when you get quoted, but if you offer a "rate lock" and use that term, you need to stick to it even if you aren't required by law to do so.

However, your answer could include, but is not limited to:Market Focus: Would you stick to cash-flow-heavy areas, chase appreciation, or go after niche markets like short-term rentals?

Does buying all cash not make your return lower than just sticking it in a S&P index fund?  

It's easier said than done, but decide what you're willing to spend and stick to it.

With this timeline approaching pretty quick, do any of y'all suggest sticking it out until I find the right multi-family or would you jump on a good single family I can turn around and rent out down the road. 

Though I appreciate the idea of finding online resources and studying them, I find that a curated, tried and true formula (if it works) is much more worth my time than spending time trying to find which resource works best and then spitballing the ideas until something sticks. 

We always did better sticking to the K.I.S.S. methodReal estate has enough complexities and none of us are rich enough to need super-secret anonymity.  

So something you might look at but again choose wisely don't get stuck in SOJAC stick to Madison or Rankin counties.

Develop a clear set of criteria for onboarding clients and stick to it.

There are many other lenders out there and they stick to what they promise.