proper use of this kind of credit can be just fine.. improper use can lead you to credit hell and BK 

When you say investment team doing 100+ deals per year just so I have clarity, is this your team or you on the team if so what is your role? 

I tell clients to not even tell their lender, as lenders don't normally get it and it just leads to a lot of confusion and chaos where it doesn't have to be.  

One company wants a lead cert at $800 another no lead cert required @ $1400.

Keep your eyes open to new avenues that still lead to your end goal.Embrace DisappointmentFew people strike gold on their first attempt.

Hey All, Here is what I learned about funding / structuring deal for multi - family, would love to know any other way people fund / structure their deals:Downpayment (your own money) + commercial loan - No SEC involvementDownpayment (partners money) + commercial loan - No SEC involvement, partners need to have specific roles defined so that they dont get categorized as passive investors Downpayment (passive investors money, preferred returns) + commercial loan - SEC approvals neededWhat are other basic ways to fund a large (> 5m)  size deal

Hey All,Here is what I learned about funding / structuring deal for multi - family, would love to know any other way people fund / structure their deals: Downpayment (your own money) + commercial loan - No SEC involvementDownpayment (partners money) + commercial loan - No SEC involvement, partners need to have specific roles defined so that they dont get categorized as passive investors Downpayment (passive investors money, preferred returns) + commercial loan - SEC approvals neededWhat are other basic ways to fund a large (> 5m) size deal

Leads 2.

This also leads to good manners, when she wants something, and no accountability for her errors, which will continue.  

If you are in a more litigious, liberal state like California then you may want to be more careful.Or Maryland or any state that has significant lead paint issues.