Doing the proper due diligence & been seeing that in order to use SMS blasting you have to stay TCPA compliant and have the homeowners opt in.

You're in Detroit and considering investing out of state?

And your simply charging points and keeping the points and then a service fee. ( interest rate delta). 

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? 

And absolutely don't pay retail. 

Would love to have a chat and learn more about it.

You can evaluate the additional cost and payback time as if you were paying for heat to get a handle on it but the jump to most efficient is probably not worth it in your situation.

I know i built 4 in the Ocala market and permits were very long year or more very frustrating .. 

It will familiarize you with the basic terminology and benefits.

I also have (currently) 2 units and I am growing.