I was curious about CIX after seeing a youtube ad.As I typically do, I searched "CIX Bigger Pockets" to see what the BP forum had to say.His ad felt like a used car salesman (my alarm bells were going off).Another red flag from a lending source: lack of transparency in disclosing their fees.

And #2 Would it have to be disclosed that it was once a mobile home to the realitors?

@Wayne Kennoff- thanks   1) getting a personal referral is a good place to start 2) if you have narrowed down the options to a few -  contact both on the same  days and ask them for whatever  quotes  for your scenario ...ask for a loan cost worksheet  if  possible .  ...if their pricing ends up being  the same - make a decsion based on the  feel  for  cutoner  service you get when communicating with them.   3)  make sure they  disclose all the fees  related to the  refinance  ( not just their  own fees ) ..4)  reviews are   hard to  use to make a decision ( as you found out ) 5) rates are pretty high right now for rental  properties ....if you can wait to  refinance - you might consider doing so ...if you need to refinance - so be it ...Good luck 

There are  additional fees incurred investing this way: membership fees, fees to maintain the entity that carries every deal you get involved with and possibly other non-disclosed fees. 

Use caution as an anything not functioning or highlighted for repair will need to be disclosed. 

The information disclosed must still be valuable, secret and owned by or in control of the disclosing party.

Get as close to the truth as legal in your state and clarify that you're not a huge capital group coming to town to slum lord the entire city, you're a hard-working guy trying to break out of the 9 to 5 (if that's legal to disclose) and being able to turn a modest income on a rental would be a vital step toward that dream of financial freedom. 

It's crucial for sellers to fully disclose how they acquired the property to avoid any misunderstandings.

Ethically, if the property has been occupied or lived in by anyone, it should be disclosed and listed as previously owned.

Landlords are required to disclose that the property is located in flood prone area and/or the property is known to have been damaged at least once during the 5-year period before the lease.