Incidentally, what I posted is how home loans work in most countries on the planet, the kiddy-glove 30YF is the exception globally, not the norm.For a new and inexperienced developer, banks don't currently have appetite, so model your numbers on a hard money loan at 12% to 15% (I do not offer these).

Pay per lead is literally the dumbest thing on the planet to me. 

I tell people, "With a keypad lock on the door and a great housekeeper, you can rule the planet." 

Seriously, what planet are you on????? 

On the next episode of "How to collapse your own product by sending in new users to spam the most experienced real estate investors on the planet by telling them how good something is that is already being done by a million other companies after the CEO gets kicked out of the forum"...Another lesson in what not to do and how not to respond.

I highly recommend you check it out - Downtown Offices Are Toxic.

I just need a valid, full formed address to the RSS feed.look at the URL for Planet money on NPR: http://www.npr.org/rss/podcast.php?

Competent sponsor, capital call large enough to completely escape existing toxic loan with cash-in refinance to a lower-balance loan with a long maturity—good outcome possible, even probable, if there is no other “hot money” in the deal such as preferred equity or priority share classes.There are surely other nuances I’ve missed here, but this is a start. 

I would build the biggest Architecture and development company on the planet.

Check out Coin Laundry Association and signed up for their magazine Planet Laundry.