Thats with my cheap subs and me paying them cash using a GC this would be a $70k rehab and negative equity. 

There are likely at least subtle differences between those proposals.In terms of good and bad experiences, you won't find an insurance company that doesn't produce happy and unhappy customers.  

Customer service is A+.

If you are going to have trouble with sub to, it will from your insurance company, so I'd tread lightly for sure.

Originally posted by @Rodney Sums:@Will GastonIf I'm reading correctly from a marketing standpoint your target customer is someone looking to be near the local strip. 

Unless you mean secondary and tertiary markets--I'd consider sub-markets near these two metros in that case.

You are now the owner, not the customer.  

If the structure changed I think bank rates would go down and banks would compete.. keep in mind also at least with my deal in BC you also opened accounts and they wanted you as a customer for life ..

Not looking to cash out refi a sub 3% for today’s current 6-7%. 

I do not put in price of labor because for me I will pay for good subs they are the key.3.