Often times people, myself included, have all sorts of reasons their thoughts are not clearly expressed and may actually be received unprofessionally or confrontational.

Once you two are mutually disappointed with how long it will take you to be financially independent, explore value add and then BRRRR.Debt is impatience expressed financially, so give her a chance to get impatient.

Good intent but non existent today.I use the American Express high yield savings account.

Wouldn't bother me at all, I welcome self expression.

I agree with others that you are getting too emotionally involved in this.You knock on the door and express your position.

My problem is that when I called them to inquire the agent I spoke with expressed shock and then steadfastly insisted he could not discuss any of these details with me since I am not the borrower.

Recently, I approached the owners to try and do a management agreement deal, but after our second meeting, the owners expressed interest to sell the full business and real estate.

@Joe Gore I agree, USPS is much better than the Pony Express.

As mentioned above, I'll probably just peg the rate to one of the Bank of Canada indices and either leave it fixed for the three years or have it adjust {semi-}annually.The reason the borrower expressed for approaching me as opposed to a conventional source is that he is buying out a partner's interest in a property {not the property being pledged as collateral} and does not want to reopen the mortgage on that property at this time.

Aaron Mazzrillo - I'm annualizing, which is the only way to express on a common format.