For starters, the region is a major player in the manufacturing and logistics sectors.

Your best bet is definitely going to be a small credit union or regional bank in that area. 

Have you identified seasonality for your region? 

A few days later the regional representative called me and offered me bulk discounts. 

Our Friends house w ADU worth approximately 1.8mil however the exceptional ADU was built by best builder in region for $300k and would cost $500k to build today.

Also it will be specific to the region where the loan is going to be done. 

Plus, they are picky on what regions that work in, which is another layer to look into.The second group, with the right experience, does 10.5%-11.5% Interest only for 90%, and if the values come back in their valuation, will do a second on the down payment at about 17% IO so it balances out at 100% LTC. 

We are thinking about building a property for an STR in the Catskills, NY region on a quiet secluded 7 Acre plot, but have been wavering between 3 types of builds.1.

Then like all regions, there's always the source of damage from internal water supply (burst pipes, etc).Getting back to the carpet tiles, its official.  

@Jamie Brayton i'd love to get in on the mixed gender meet ups in the capital region when they're happening!