.: Quote from @Donald Hatter: Option 2 is the last option I would suggest.

@Paige Gardner it depends on the person. hml are my last resource, it's a option for sure. 75% too high for me. that's the game for them, that's how they make its money. don't take it off the table but definitely explore ur options. 

we just poured 5 foundations in Columbus Ohio in the last month the total packages with sidewalks is less than $30,000 and that's cheap.

Early last year, one of our borrowers, an extremely experienced rehabber who had recently been diagnosed with diabetes, informed us that he’d been in and out of the hospital so frequently that he wouldn’t be able to complete the flip we had loaned on as first position lenders.We were aware that he had borrowed an additional $110k from a second-position lender.

My company has gone through 3 dishwashers in the last 12 months and it has been an added expense.

The tenant fails to pay their last month's rent and leaves the place needing new flooring and paint.

On top of that, many policies have become more strict (especially in the last few years) with replacement cost language because replacement cost estimates did not keep up with inflation for a period of time AND/OR replacement costs on many older properties had skyrocketed so it made more sense to calculate replacement values with functionally equivalent rather than exact materials.

@Saul Vargas what other city saw a 23% increaes last year?

@Joshua Christensen Coincidentally I met the managing partner of Infinite Capital, Javier Pineyro last week for coffee.

Started listening to BP last week.