We would want to use it for personal use probably one per year. 

I have no idea who I should reach out to for help, and I just do not understand how this person no longer responds to emails or returns phone calls.I hope someone can provide some guidance. 

Apparently, the person I am under contract with was managing the estate of the actual owner who recently died.  

Me having several thousand good reviews help, but personally I would not book a property with 0 reviews. 

It also gives you multiple work surfaces so you can have more than one person in the kitchen without getting in each others' way.

The northland MAREI meeting and the main monthly meeting at MAREI have a minimal fee, or for $99 a year you can attend all of them for no extra charge - northland is in person, the main meeting is still online, both are great ways to connect and learn. 

The interest rate on a HELOC or Heloan may be better than the personal loan. 

Quote from @Jeff Sanders: Personally coming from an agent/investor in CA, I always get a quote from a broker of mine and make sure I am knowledgeable with the fees/costs.

A contract is only as good as the person enforcing it.

can anyone you know in person vouch for this lender?