No need for a custom contract with all kinds of weasel language that the court might throw out.

Lower turnover, cleaning costs, maintenance cost, better reviews, repeat customers, referrals.  

, or any other lender local to Northern Virginia (from what I know of NoVa), they are going to think of an $80k loan as an act of charity, and may only do it if you are a loyal repeat customer.

That's the level of dedication it takes.

I could care less what the house is worth if the guy thinks it's worth 100k & wants 100k that tells me right away he's not my customer. 

Trying to be as cost effective as possible and ruled out putting brick there.Are custom cornices very expensive?

We meet the 3rd Tuesday of every month at the Custom Kitchens & Baths by Design in La Plata.  

Thanks for the +1 :)Just as a note, Cozy doesn't hold payments or make any money off "floating" a customer's funds.

She is bringing me on as a customer.

And if you have a problem they have great customer service.