As a result, I would spend more time trying to understand who they are partnering with than anything else.  

It is easy to spend thousands of dollars in marketing and have nothing to show for it.

The rate cap in January is currently priced at $747,000.The Capital Call funds will be used in the following ways:1) $4mil is being used to pay down the loan.2) $175k fee to extend the loan for 1-year.3) $2.247mil to cover interest rate cap extensions for the remainder of the hold period, including $747k for the January 2025 6-month interest rate cap purchase.4) $1,000,000 in reserves to prepare for additional extension fees and cash reserves.

That's understood.Page 19, Two faces of Debt: Federal Reserve Bank of Chicago - "banks exchange a borrower's "promissory note" or "security" for a check that other banks can deposit" (so the note is funding a check) same page states, "...the borrower can spend the deposit acquired by borrowing"... 

Spend the time, make the effort, and (hopefully) reap the rewards.

The last polling I saw showed that the large spending by the aids health foundation was working.  

Everyone knows who the new person is and the goal is always to mess with them and test them and try to get them to spend their money on the junk so we can get the good ones. 

Personally, I'd spend a little more if I knew there was significant value add there.

They're not bad people, and they do want to spend their time with loyal clients. 

MOST people regardless if they are renters or home owners spend over 30% of their income on housing and utilities.