She spent countless hours on the phone—with me, the city, contractors, and other key players—to help find the best path forward when she didn't have to.What I Learned:Insurance is your safety net: Always double-check that you have the correct policy for your project type. 

It allows tenants to use their phone rather than quarters.

Then his phone rang.

If I wanted the property I would be on the phone with title company and the lender or finding a new lender who would lend on this. 

You're going to have to contact Zillow by phone to solve this.

Some of them have phone numbers as well, but pretty much all of them are marked as Do Not Contact.Does this seem like an effective track to stay on?

We gave him 56k in deposits and he will not even pick up his phone or engage in a conversation.

Of course emails and phone calls are going unanswered.

As I expressed on the phone and I have already spoken with Rick as well, I am confident that we have the inventory that meets your needs to build out your portfolio in a faster time frame.  

You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML?