The other half is a mix of spec and owners buying lots to custom-build for themselves (more of the latter than the former).

or you can reach out to a broker who can shop 80 lenders in a matter of minutes for you.

Every little thing in the project should be in writing, even down to the door stops :-) See my tile spec sheet below ...Two problems with your post though - 1) In my experience, most problems come from the customer changing their minds constantly.

A bit about me: I’m a real estate investor (my husband and I own a 4plex in Oakland, CA), and SBA loan broker.

And this is a biggee wading through the fake lenders or the Joker brokers that tell you what you want to hear  but cant get the deals funded and you lose the deal and a lot of money.3. with actual PML  private people  usually have very limited funds so cant scale with them.. they can have a life event and just stop doing loans all together..

Approximately cost went up 20% Does anyone have a broker recommendation?

I think the borrower is better off trying a local bank or broker in that area.

Were there any challenges with shipping, customs, or delivery?

I’m here because I’m interested in investing in small multi family units, duplexes, triplexes and fourplexes.

But I need a portal where I can do the following -Customize the tenant application  ( Cozy does not  allow me to customize)- Have tenant Upload Pay stubs, DL, etc.