However, if you had disclosed the transaction in the beginning and provided the lender with adequate safeguards, they, either by written acknowledgement by the lender or by their silence, can constitute acceptance of the deal and when rates increase, they will be in a very difficult position to call the note at that time.

Or total radio silence?

---Silence.

Financed with 4 private money silence investors in exchange for 70% equity.Originally an outdated 4 bedrooms, 1 bath apartment converted into a 2 bed 2 bath modern apartment with an open concept layout.Negotiated for the seller to wait 6 months to get 100% paid off, while we renovated the property, after given them a 30% down payment.What made you interested in investing in this type of deal?

After silence for over a week, supposedly we will hear tonight. 

Sorry for the silence.  

Some people get nervous with the moment of silence and start talking.

At this point, I called my (then) wife and say, "honey, you can't blame this one on me...." and explain the situation.Dead silence.

Ever hear the term "the silence is deafening"?

I also suggested lowering the price after a few weeks but again radio silence/poor communication.now he has sent me a bill with a startup fee which was supposed to go to costs of any repairs and such (of which he did none because he didn't even go to the property to inspect or repair anything)...plus some marketing fees.