I am confident that the mountain-modern style I seek to design to will stand out from the competition in a positive way. 

Yea, too high of margins indicate to me its ripe for competition.

From those calls, you will have learned what your competition is related to lot rent, the sale of homes, how many POH they have, and what incentives you may have to offer as you sell homes.

Interest rates being lower will make it easier to borrow money and it will also increase competition in the real estate market place as people seek yield.

That will be up in the next 3-4 years and several apartment buildings have plans to redevelop and modernize their units to keep up with the competition.

They won’t, you’ll receive nothing -- this is a competitive business.Additionally, if you charge points and do a calculation, you’ll see your ROI increases dramatically when you get paid back sooner.

They often have very competitive products.Do you have a lender that will do a loan this small?

Well, here’s the catch:It’s expensive, risky and straight up flooded with competition.

Real estate markets are very competitive in good markets that you would want to invest in.

Lending One, Grand Coast Capital, Alpha Funding Solutions, and Arkad will all be more competitive.