Relationship-Based LendingBanks: Normal transactions are always cold-blooded and policy-oriented.Private Money Lenders: Most often work with borrowers to create solutions and value relationships over strict rules.The Bottom LineThe power of private money lending, I think, is a pretty effective alternative for borrowers who need speed, flexibility, and customized solutions—especially in industries like real estate investing.

As for application turn around, it is normally about 5 days but it could be longer or shorter.

Also , normally I keep 5% as vacancy rate , but for this case I did 4% as its a desirable rental areaIs 7% expense conservative for such townhomes?

I still haven't had the best of luck finding the right piece to the puzzle I'm building, so I thought if I let real estate agents, investors etc, that I do actually have we cash, and a normal job to fund these real estate investment's.

I would love to see the numbers, normally they can be tweaked in a more positive way. 

If you have gone criminal one reason folks dont do that is there is normally ZERO chance of getting paid back.. 

In my lease, I have it that if they lock themselves out during normal business hours they can call me and I’ll let them in for a fee.

Therefore it's quite normal for a design change to be an additional service fee. 

The pics, snippets and videos of influencers living a particular lifestyle are selling people emtpy dreams. 

I personally think a 8% to 10% cash on cash return is hard to achieve right now.It is easier if you are talking about overall return(Cash on cash plus appreciation).I normally aim for 4% cash on cash and 4% appreciation annually.Furthermore, using financing makes it harder to achieve higher cash on cash returns because in most markets, the interest rate is higher than the rate of return.Best of luck