For example, I have a private lender that gives me 8-9% on the rate for rehab costs when I am usually getting about 10.25-11.25% on the rehab costs from hard money lenders, and the HML is not sending the full money upfront, but in draws (this is normal for most HML) which is a lot more cumbersome. 

We normally do not seek judgement due to the expense that is involved, even after you win you have to continue to renew the judgement every year.We put them in collections and have it hit all three credit bureaus.

There’s normally action items that can be implemented into your management process that are more effective. 

I own a 4000 square-foot warehouse that has about 1/3 of an acre lot fenced in.

The house needed some work which normally would have been a pain for me but after close HomeRoom did everything.

Per square foot, does one or the other have a higher likelihood of returning a higher return?  

You are likely overpaying by $5,000.Broker fee of $3,000 and Processing Fees of $2,000 seem out of place...but then again, i never used a broker to get a loan so I am not sure about that.If the broker was able to get you an interest rate or loan product that you wouldn't be able to find on the open market...its high, but likely fair.if you are getting a loan product that you could have gotten by going to a normal bank...seems high and unnecessary. 

Most people call their services "cohosting" to distance themselves from what would normally require a real estate license.

I used a hard money loan for the bulk of it because, let’s be real, no bank was touching this place with a ten-foot pole.

The end goal is to have a piece of land with multiple houses: one for my growing family but also a home for my mother in law.My mother in law has agreed to foot the money on a new property/land up front and when ready we can buy land from her to build/develop etc.