You and this private person you met hammer out the details of the loan at the kitchen table so to speak and you seal it with a handshake and your reputation that this Private Person already respects or whomever introduced has vouched for you.But if a man opens a lending company tomorrow with 50 Million of his own capital and he checks in on the HML market to see what it bears and he copies his products and UW guidelines and now is he PML or HML? 

We will use the British or UK model which is primarily used in the India and China markets where we will be marketing to.Quality grades:  This is a general discussion, there are more detail determinants, I am not showing.A- basically no flaws, generally 100% "Heart" wood. 

They already have my records from the previous year(s), I’ve been a client for 20+ years, and I provide pretty detailed reports per property.

@Jared LyonThe devil is always in the details.

Assuming it does happen, despite all the obstacles that I mentioned earlier, could you please clarify a few details for me?

I really appreciated his response, and took detailed notes.

I'm not following you, can you explain in more detail?

Are their listings detailed with good-quality photos?

The more transparent and detailed the documents, the fewer surprises on both sides.

Happy to go through some details on that though if that would be helpful!