What sets you apart from your competition?

Compliance using your own money is usually pretty easy, it become more complicated when you use other peoples money or enter into mortgage brokerage activities to fund loans, that includes partnering, using fractional interests of notes among other capital contributors, or hypothication activities to raise capital. 

Now I'm kinda stuck with properties that if i add the $1950 charge to get the Title Insurance I won't be competitive in the market.   

I believe my competitive advantage is building construction so for now I'm going to stick to that.Thank you though,Ryan

Well, that's about half of what it does (the half that I'd disclose, the other half is competitive advantage!).  

That's your competition.

Based upon my limited experience with real estate  financing in other countries (4), this is an anomoly and it is more common to find mortgage terms that are a fraction of the amortization - requiring that the mortgage be renewed/refinanced at least once.Even if you were to lock-in a residential mortgage at these low rates, you should count on your future opportunity cost of capital (i.e. major CAPEx expenditures) to increase and build your financing and operation model accordingly.

Look and see if there is anything you can do to beat your competition.

More work, but less competition / more opportunity.Just a suggestion ...David J Dachtera"Success is not a destination.

Tucson is a extremely competitive market