@Michael Hayes As the Consultant/Advisor who get's retained to do this, I can speak from my side of the table. 

I've got a failing retaining wall and I'm looking for some suggestions on what I can do the remedy it!

But if you are disciplined enough to take notes during the audio, that's really what you are striving for (retained information). 

Compensate them for their extra efforts so you can retain them and maintain continuity.This is what our STR company does in the Kansas City, MO market.

That money is basically a retainer, and that is what I would call your premium on insurance.

She said that they refused and kept our retainer and is not helping.

Make it clear that if they don't leave immediately, you will retain their deposit and begin the eviction process.

Goal: Convert uncollateralized personalized bank debt into a debt to that is assumed by the IRA/401K at interest (8-20%) and similar terms thereby creating opportunity for freeing more captial and increasing my ability to retain cashflow into investments at a rate that was being paid out to external institutions.

Pros of Getting a HML: You retain ownership: One of the key advantages of securing a hard money loan is that you retain full ownership and control over the property.

Looks great, easy to clean, won't retain odors, holds up to ordinary use, and can handle spills.