If we bite off people’s heads when they admit disaster, it suppresses legitimate issues with these techniques.Just for context there is a lot of history with the OP and some of us on here going back years (like the thread I linked to above from about a year ago and several others if you use the search function with his name) with him minimizing the risks of how he was structuring these transactions and some of us being cautionary, warning him that exactly what happened here could happen, which made him defensive and dismissive. 

They've increased the price several times in the last few years. 

For tourism you have several, including one (IFFRU) that can fund up to 100% of the renovation costs (no purchase).You can do your own research but you have companies / consultants who this job for you and charge a success rate (pay only if funding gets approved).

Several of the contractors offer helical piers but don’t seem to think they’d be a more cost effective option - we can directly ask about this again.  

I have remodeled several hundred places and the ones made with particle board look good but don't last. 

Similarly, if you put several Class D tenants in a Class A 4-plex, what do you think will happen to the property?

I’ve been back in touch several times as questions arise.

Also: I must have mentioned the request several times so it was clear.   

Several factors indicate the company is not that concerned about efficiency or ease of customer process: the website, a process that seemed to focus on one issue at a time instead of all issues at once, and consistently poor communications and lack of common sense from the loan analyst we were assigned.It started off very well with the initial point of contact, Austin Lornson, who did a fine job of explaining the general refinancing process, responding quickly and thoroughly to our questions.

They send me several emails a week on opportunities from Coco Beach in the north to about half hour south of Tamarindo in the south.