@Corey Duran call all the banks in you area until you find the one with the best interest rates and loan products that align with your strategies.

The terms right now on hard money are not as rough as they would have been in the past, and in addition you can get different loan products depending on what you are doing.

There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proThe site has quite a few tools that can be helpful for new members.

We installed 3 natural gas furnaces and did a couple minor upgrades.

If not as the wise @Caroline Gerardo notes floods happen only mother nature knows when and if it will ever happen. 

Cash-out refinance pros: interest rates tend to be lower than HELOCS, you have the flexibility to do whatever you want with the proceeds, interest from the mortgage may be a tax deduction, and there are multiple types of loan products and structures to select from. 

She quit working for the company because of the unethical nature of the whole thing. 

That made the idea of a charge to the contractor for delay difficult to justify, and the contract is silent about factors outside of the contractor's control or issues like approvals, which are naturally the owner's responsibility.

Because of the ice storms in Texas and North Carolina and across the country in several states, we're gonna see a restriction with workers being able to complete houses and product and get it to the market.So what that means is that you're gonna see massive restrictions on supplies and inventories.  

Consumer-facing marketing for mortgage stuff, and everything that naturally follows from it with that business model, is more or less a dumpster fire, in these United States.