I guess my experiences are bias because I am the contractor and my partnerships are in place because the investor wants me to handle all aspects of it and get a check.I understand there are some real characters out there which then I can see your reasoning.

i'm biased to the brick exterior it makes maintenance way lower.

Family Member is defined as follows, regardless of actual or perceived sexual orientation, gender identity, or legal marital status:  child, parent, or grandparent; o a child is defined as a son, stepson, daughter, or stepdaughter; o a parent or grandparent includes a step-parent/grandparent or foster parent/grandparent;  spouse or domestic partner;  legally adopted son or daughter, including a child who is placed with the Borrower by an authorized agency for legal adoption;  foster child;  brother, stepbrother;  sister, stepsister;  uncle;  aunt; or son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-inlaw, or sister-in-law of the Borrower.Or these other exceptions:(3) Exceptions to the Maximum LTV The 85 percent maximum LTV restriction does not apply for Identity-of-Interest transactions under the following circumstances. 

The investment community then applies a bias on top of that, either negative or positive, which further drive the pricing.

Have family and friends in both.In general, I think Lowell has a lot more going for it (perhaps I'm biased).

But I am admittedly biased because I had a miserable experience with them a while ago.

I might be a little bias towards Caliber because that's what I know, but I know that I can highly recommend them!

However, I can't help but wonder if they are slightly biased towards more expensive (stable) properties, since they are presumably less maintainance (ie a $150K SFR in Plano, TX vs $45K in Irving, TX).

While the .5% response rates from the postcards are mostly quality calls.Maybe because I have a little bit of a biased to direct mail marketing, or marketing in general, I have the view that there is no maximum when you are looking to market yourself or your business.

That sounds like it could contain bias and you really should take an application in the order that it was received and run it through your process.