I re-fi'd several properties last year in the Cleveland market due to appreciation and all signs point to continued appreciation for years to come due to restrained housing supply as well as increasing rents.

If you need a quick answer that is time sensitive, you can call me (# in profile). 

BUT you have to be sensitive about appraisals.

Since these homeowners are potentially sensitive about the subject of foreclosure, are their some things I should avoid asking over the phone? 

If the owners feel their safety is at risk they could go apply for a restraining order against the squatters.

Blackrock has an 8.5% min debt yield on their program.If you are rate sensitive, go to a local or regional bank where you can walk in and shake the loan officer's hand.

You don't want to start with the latter because they are time sensitive and you don't want to be figuring stuff out when you do those.

Maybe I'm being too sensitive regarding Company 1 guy's salesmanship pressure, considering the company appears to be reputable.

Short term rates, as in the rates tied into indexes that are the most sensitive to economic shift will move before the 30yr fixed loan rates would.

@Thuy Vo...Guidelines for the most part on construction have not changed much, but construction lending has been more restrained by regulations.