The PMC I left to start my own PMC had at least 2 "preferred contractors" related to key players in the office so high rates and poor service fell on deaf ears. 

If it was a once in a lifetime incident I would not let it bother me, if this occurs frequently then I would pass. 

Research led me to a couple of videos of former ND players coming back to build development into the area.

This gives you a better opportunity to do STR or MTR and not bother yourself or the LTR tenant with more people coming in an out.3.

Some people seem to get locked in to one place they find, or a place a friend or family member is selling without really evaluating the available market.In a small town in East Texas I would think your biggest risk is a big player coming to town that can absolutely crush a smaller player. 

Lenders desperately need/want business especially in this interest rate environment (right now, the main source of mortgage loan business in Florida is rehab financing as a result of the hurricane damages) and one way the big players differentiate themselves is by streamlining the process.

@Karen SmithAs jay mentioned private lending has been around forever and it’s really not on the rise - I think it’s always been a large player in the real estate investment space for short term loans.

I imagine those renters will fill it and then not access it much, so it shouldn't be a bother to your tenants.

In conclusion: because Kiavi does not know or does not care about Taylor’s chronic ineptitude; because Kiavi has never bothered to put together an introductory email document to clients explaining the steps, requirements and responsibilities of the refinancing process; and because Kiavi does not bother to fix an obviously broken client portal website, it’s clear that the company does not strongly value customer experience and satisfaction.

I know most people are going to tell me not to bother, which is fine, but that's not really my question.