Have done about 20 loans with them over the past year or so. agreed we have done half a dozen or so.. for the very experienced flipper they are quite good.. and what I like is their transparency on fees and rates in their pricing metrix.. for beginner BP members asking about HML I always point them to their website and pricing matrix.. so the beginner gets the idea of where rates are when experience is not there.. there is a race to the bottom in HML for flips.. 

Its in a cul de sac and have three families owning there and its a mixed race families.

- i feel like a horse in a race with blinders without a finish line since I subconsciously block out most adds.[4]Choosing a location/ budget: Should you spend more on a better location so you hopefully have better tenants?

That said, if the present level requires you to have to ask what a lien is it would seem there is no due diligence that's been done - don't put the cart of debt before the horse.

. §§ 90.396, 90.40324 hoursViolence or threats of violence by tenant or a guest; intentionally causing substantial property damage; giving false information on an application within the past year regarding a criminal conviction (landlord must terminate within 30 days of discovering the falsity); committing any act “outrageous in the extreme” (see statute); intentionally or recklessly injuring someone (or placing them in fear of imminent danger) because of the tenant’s perception of the person’s race, color, religion, national origin, or sexual orientation; second failure to remove a pet that has caused substantial damage

And horse ranches.

I say land bank for 2 years watch your inventory, its not a race to be the fist builder in your market, it is more important to be the right builder.

last year on long-term seller financing from a tired landlord and kept it in my rental portfolio.Not every property has to be bought at numbers just to keep you in the flipping rat race at high tax rates.To your situation - either way, I would own before I sunk $30k + time and aggravation into a property.  

Once you factor in risk, you're better off just picking up a second job or overtime hours.Now that I've vented my negativity, allow me to get off my high horse and give you actionable advice.

So we just need you to qualify for a portfolio loan and you can be off to the races!