Fridge filter is like a lightbulb it is a consumable that they can get or not get, makes the water better or I suppose the fridge smell less but it is not essential.   

With that said I do know a few hard money lenders who operate on the principle that they have to like you to lend you money, but most  

It's essentially a business plan with a sample deal that portrayed the projected returns for my investors.Thanks, Mark!

The 18% rate from the lender is the same as our preferred return.We consider this more a bridge loan as it gets us to the pre-sale stage, and we can use pre-sale funds to pay off this debt position, essentially refinancing.

With historical inflation in mind, that mortgage is essentially an asset.

Since my scenario uses essentially turn-key condition multi-family rentals in an appreciating market ( West Coast major city ).

Develop a team with essential members, focus on moderate property prices and high demand, and start with cosmetic flips.

I'll be primarily focusing on the "Slow Flip Method" for a few months to see if the juice is worth the squeeze, but essentially, you look for distressed properties in or below $30k and sell them FSBO to people with bad credit for $80-$90k with $2k-$5k down.

Having asset protection when coverage is denied is essential.  

However, it's essential to determine whether they are reputable brokers.