Chinese, Malay, Indian, and Thai influence makes for some extraordinary flavor combinations.

And as far as Scotsman Guide is concerned, once more you just had add a little extra Hinrichs flavor to your post about them by insinuating that most of what is in there is wholesale lenders for retail.Uh huh, but there are very specific sections for Residential and Commercial HMLs so there should be no confusion. 

It's kind of what flavor of risk and return is an investor comfortable with. 

Yes, prepayment penalties can come in a few different flavors, and are negotiable with many types of lenders.

But for local flavor, check out Jeremy Burgess and the Renegade Detroit Investor group.  

You should use the search feature and read some older posts to get a flavor of the discussion.

and for sure in this site most are looking for that home run note... because they see that one off note purchase were someone touts a 20 to 30-% return and then that sets expectations.. go to FCI exchange and snoop around there a bit.. you can get the flavor

Every situation on every property is different - even with the same investor, doing similar deals over and over again in the same town, with the same lender, each deal is unique and will come with individual circumstances, and as your business grows, shrinks, or dies, your ownership and business strategy will change.It's likely that every attorney you would ever speak to would give you their own unique "flavor" of advice, but I think you are on the right track by getting multiple opinions.

You have to find the one where you both like the same flavors of ice cream.Google FDIC bank search and then put in area or zip code on the website and a list of banks pops up.Good luck.

LOL..in the Wine business  one year Merlot is hot.. then the next its Pinot and every one switch's and starts making a Pinot.. that loses flavor and now you have Rose coming on strong or last time I was in Napa everyone was doing a Temperanillo ( sic)But so what I see on 4 years of BP is  buy and hold going strong.. then you have NPN  everyone starts talking about that and how the average person who has never bought a note is going to start with a NPN ( which can have a very steep learning curve) to Gap funding ( seconds on big rehabs RISKY) now it seems many want to become their own syndicators which again god bless them however for the investing public they need to choose sponsor carefully.. and I think that's what your alluding to is professionally run reits as compared to new crop of syndicator's.. now out of this new crop your going to have what happens in all business's those that excel and go on to be top tier companies those that muddle and those that well, don't do well.