Most hard money works like this Rates: 9% to 13% (Most Deals are 11-12%)Terms: up to 36 Months (Most Deals are 6-12 months)Fees: 2-4 points(%) of loan amount paid at closing (Most Deals are 3 points(%))Minimum Loan Amount: $50,000 (For loans less than $250,000 $2,500 minimum fee)Max Loan: 65%-70% of After Repair Value(ARV)100% Rehab Financing Available (Require 20% of purchase price down payment or cross-collateral)Closing Timeframe: 48 Hours - 3 Weeks (Most Deals are 2 Weeks)NO PRIMARY RESIDENCES, NON-OWNER OCCUPIED ONLY, BUSINESS AND COMMERCIAL USE ONLY.

It helps you find reliableproperty management partnerships and gives you everything you need to makeconfident hiring decisions: Expert Matching: Match with professionals who meet your criteria Extra Assurance: Licenses, experience, ratings, reviews, and more that can be cross-checked with BiggerPockets members Bonus Content: Receive an essential interactive workbook: “How to Interview Property Management CompaniesHere’s how it works:  Enter your market and what you're looking for Instantly see top matches and their qualifications Connect with only those you want to interview Bonus! 

Thank god I did because I received it on the last day I could go to the assessor and talk to her in person before I the may 28th appeals datethe letter reads that my new assessment is 590k and that my new taxable rate was 91% of that 590k.  

I never really take it serious with rent rate optimization.

Am I simply a hobbyist because I don't charge everyone the same rate or because I left 0.25% on the table?

I'd ideally like something that'd be an interest-only construction-to-perm type of loan for a small multifamily like mine, with the cap-rate helping reach the proper ARV %'s that most lenders need.

I had a similar experience also didn't get 2 of my properties rented by November after I turned over one at the beginning of August and the other mid September.I switched to another local but flat rate company who rented both in less than 2 weeks.

The purchase price, loan amount, your interest rate, whether you need mortgage insurance, your homeowner's insurance cost, property taxes, and your current monthly debt obligations all factor into your DTI.  

Here are highlights of the program right from their website:Program Benefits-A 30-year fixed interest rate mortgage loan, several rates and loan options available-Down payment assistance (DPA) 3% to 5% of the loan amount-You do not have to be a first-time homebuyer-DPA provided as a grant (never needs to be repaid) or 3-year deferred forgivable second lien loan-Available statewide through a network of participating lenders.

The rate jumps to 15 percent on capital gains, if their income is $47,026 to $518,900.