@Eduardo Mardini i can see why that may not be the most attractive thing to your wife.

So it's a quick way to see returns.

After a quick google search, it does appear many banks will not write mortgages smaller mortgages.  

Tell them you will pay them cash for a quick close.

I think hard money loan is the quick way and then refi. thanks for the advise Chris Mason

I have no interest in get rich quick, but rather, want to build excellent relationships and be a trustworthy person.

a quick google search didn't show anything making the shark illegal.  

Tell them you will pay them cash for a quick close.

Once you pay their entry fee of thousands, to gain all their "knowledge" and "contacts" you find out all the deals they have are horrible deals you could have found yourself on zillow and the contacts ie contractors and vendors again are just a quick list of people you could have found yourself with a quick google search. 

This way we could take a 30 year mortgage and pay it off much quicker (7-10 years or so).My main assumption here is that it is beneficial to pay the mortgage off as quickly as possible, as to reduce the effect of accruing interest over the life of the loan.