You might’ve rate-shopped a bit early, but it’s not a deal-breaker.

-Ray (see above) is the man and can get you hooked up with great rates and low-fees!

I work with some builders and they have 2-4 units with rates in the 4-5% range.

Must be cash-flow positive, so I would need to bring in one hell of a downpayment unless interest rates decrease.2.

The big pro that sticks out to me in Birmingham is the tax rate. 

For Non-Admitted carriers, the important item to then pay attention to is the AM Best rating (or equivalent rating agency).

I’m looking to pull equity from a property, but I have a great interest rate that I don’t want to lose.

i just got off the phone with lindsay someone that works for them they want $34k and they offer no guarntees. thave a 78% success rate in getting people funding. that mean 22% of the prople that signed up where promised the world but were not able to raise capital. according to linday they have 700 paid members. 700x.22=154. 154 people paid them $34k and were not able to raise funds. im not an expert but they need to file a case with the attorney generals of the united states. i asked lindsay why isnt capital raising set 1 because ill pay you $34k from the money you help me raise. all of a sudden she is busy and got to hang up with me. i told her i gave you 1 objection and she gave up.i did not have a good feeling speaking with lindsay. and after the call i checked my email she sent me 2 emails. 1 minute apart from each other which tells me they will take anyone and everyone. as long as they pay $34k.

Offer a competitive interest rate, but lower than the current rates being paid. 

And it doesn't seem to spoil the charm for couples on a romantic getaway.We've been able to raise the nightly rate 2-3x with better occupancy.