Don't leave this option OFF the table. 

@Bonnie Griffin Kaake all of those will be on the table and be rigorously discussed as we chart our way forward. 

What about the thousands of family members and private money lenders who are under the table?

I had a renter that rearranged all the furniture, left everything absolutely filthy, grease spilled all over the counters and oven, food spilled on the floors and table, trash left everywhere, etc.

Most borrowers I speak to are just assuming that rates will drop off the table in a few months.

You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML? 

Just need to set a date and place - I know Oscar’s would be willing to set aside some tables for us.

I think the difference is that Jonathon is doing land deals all the time still & that really shows in what he brings to the table.

I recommend seeking a professional who charges for the value they bring to the table.

Wow this is the Ugliest table i've seen in years.