@Dave Foster knows all about this and handles these all over.

Also, we all have about the same rates - so pick someone you like and you have confidence in.If you have a lender with substantially lower rates than everyone else, you are paying for that rate in the form of origination fees and discount points.

Mr Foster, Thank you for reviewing and answering.

I'll loop in @Dave Foster and perhaps he can help you. 

Quote from @Dave Foster: @Mike Savage.

@Dave Foster can provide additional guidance.  

Our experience in assessing renovation costs and market conditions gave us the confidence to negotiate a deal that promised a solid return on investment.

I am confident that as a client, we will meet your expectations, and I respect that you are asking for other investors feedback and advice.Investors are sometimes a little quieter in the forums than they are when you direct message them with questions about companies. 

I went with the 10k startup because that’s what I was comfortable with and I really wasn’t completely confident it was a legit program.

I usually recommend @Dave Foster