That's great that the bank who currently holds the note wants you on 20 year or 15 year amortization, they view you as a captive customer, they don't have to earn your business any more, as far as they are concerned. 

Reviews from others are very helpful in navigating the space, however think of it like any other business you've heard good things about.

If they reached America by plane, boat, trains or slowly walking, they surely can navigate a home purchase.

To get started, consider networking in local real estate groups to find reliable contractors or partnering with experienced BRRR investors who can help navigate initial projects.

There are good QI's that will help you navigate the options.   

Some people have been asking me about villas and I figured out that I could use our infrastructure to build for them (on spec) as well.Let's assume that you're my customer.

Here are some key red flags to watch for:🔴 Lack of experience: A borrower without a proven track record in real estate projects may struggle to navigate unexpected challenges.🔴 Overly optimistic projections: Unrealistic ARV (after-repair value) or underestimated rehab costs can signal poor planning—or worse, a lack of transparency.🔴 Incomplete or disorganized documentation: Missing detailed plans, financial statements, or timelines could mean the borrower isn’t ready to execute the project successfully.🔴 Over-leveraged finances: Borrowers with excessive debt or insufficient personal capital invested in the deal could pose a greater risk of default.🔴 Questionable property comps: Overstated market values or inappropriate comparables may mean they’re inflating expectations.As always, thorough due diligence is your best protection.

I recently learned that income earned through Airbnb often doesn’t qualify as eligible income when applying for a second mortgage.For those of you who’ve used Airbnb as part of your house hacking approach, how did you navigate this issue?

Crypto is reaching a feverish level and they need new customers to feed the frenzy.

And the only "client" reviews I've seen mention that their customer service is non responsive and difficult to get a hold of once you're purchased their services.