The customers paid off your 38K loan (50,000 - 12,000).  

Christina Johnson Customer Service Representative Reception & Communication Services Texas Real Estate Commission Texas Appraiser Licensing & Certification Board "

I Google and found this spreadsheet and no then customized it for my own needs.

I had a load of custom made hardwood flooring delivered to a winery parking lot when I lived in Napa  then my thought was I would drive over load it up in my pickem up truck and bring it over a few bundles at a time.. they weighed a lot.well my truck had the plastic liner.. and the runs of the HW were 10 to 12 feet ( I had them custom milled) so the back of the pick up was down I figured they weighed so much no need to tie them I was only going 1 mile.well I had to cross Silverado Trail and its 55 mHP so I punch it a bit and the load slips right out and lands smack dab in the middle of the hwy... wine tasters coming to a quick halt thankfully no one got hurt and I was able to rescue my HW flooring.. no damage it just kind of plopped down.. glad your OK  phew that had to be very scary.

To me, the term "gouging" implies that the fees being charged are unnecessary and excessive; simply “additional profit” that adds little or no value to a client or customer.

This allows us to offer our buyers custom colors and or floor options.

I plan on customizing it to my market and preferences but need a good baseline.

I've recently joined Property Radar because I've heard that is a good resource & I love their customer service..they will take calls and walk you through any questions you may have...very impressed with my first encounter with them. 

They run a great customer oriented business. 

Recently updated with custom paint touches throughout.