Also, try to see if the lender will allow to buy under LLC for better assset protection; by doing personal gurantee. 

- A lender that can connect you with a potential rock star agent or other core 4 members

These additional assets give the lender more assurance in case the borrower can't repay the loan.

I also host a local real estate meetup in Worcester, it's a fantastic opportunity to meet other investors, lenders, contractors and potentially find deals.

My lender just told me that 2nd home liens are required to pay points.

Most lenders will follow a 5,4,3,2,1 Step-down penalty for the lowest rate.

Does anyone know a lender that will do a HELOC 85 or 90ltv in NY on a second home (owner occupied not an investment property) greater than 500k.

But for illustration purposes since this is a fresh transactional matter on my plate: The reimbursable lender legal fees for an $8.5M loan transaction I was recently apart of (as a buyer, not fees I charged) were less than $15,000.00.

After you speak to 3-4 lenders, the remaining 10-12 should be easier as you'll know the language more specifically.

As a private lender would you pay the full 100%, or still do 75% Loan to Purchase price and have borrower put money in?