There is a 40 year loan with the first 10 years IO.

First CommonwealthFirst Midwest, up to 90% Chicago areaFirst Republic - CaliforniaFulton BankGFA Federal Credit Union 10 yr draw, 10 yr repay, MAGranite State CU, NH 90-100%Great Lakes Credit Union Hanscom FCU, FloridaHSBC 70%, for premier clients only Horizon, Kalamazoo MichiganHuntington 75% LTV 5 yr IO product available Hurst Lending and Insurance Investment property HELOC in Texas.

The company io own is a US Entity but the owners are non Residents 

The bad apples ruin the bunch...

Our city has also been dubbed as the 2nd "Silicon Valley" with it's tech influence largely funded by big named companies such as Amazon, Apple and Uber who have set up shop here.

That way roofers are bidding projects apples to apples and you don't get hosed on pricing.  

Go back and have each GC complete their quote for missing items so that you can compare apples-to-apples.3) If GC believes they can save the house, then consider your plan of action: List, FSBO (for sale by owner) as-is, or repair and sell.If you need help with any of the above, feel free to reach out to me.  

My ISP is someone I worked with before at NeXT Computer (today's Apple).

You can't stop people from lying to you but do your homework and hopefully you can eliminate some of the bad apples before your start.Good luck and share stories when you have some!

No other roof contractor would testify against the bad apple.