Mark Schow is a friend of mine who was the head of his state mortgage association, he did thousands of investment loans for "Rich Dad, Poor Dad" clients and was one of the largest reverse mortgage brokers in the country. 

She would probably be looking at 12-15% interest rate and 3-5 points, given it seems her borrower profile is poor.

We have worked with B2R and have 7 properties already with them but this products is very difficult to work with and the fees were painful to deal with.  

My margins in this area are significantly higher than rehab investment costs so If I can spend 4K in product to get 10K more in value then I great. 

There are plenty of other issues like hiring the wrong contractor, zoning/permit issues, helping buyers qualify, poor design choices, etc., but the bulk fall somewhere within those three buckets. 

People that invest for cash flow are poor investors or investors that are poor.

big fan of rich dad poor dad.

I found a rich dad poor dad and read it and was even more interested in learning.

I've been consuming many of Josh and Brandon's podcasts on my drive to and from work and just recently finished reading the very common "Rich Dad Poor Dad."  

I'd also like to get a few names/contacts of Miami portfolio lenders - ie local banks that keep their loans and aren't trying fit everything into conforming Fannie/Freddie or FHA products.