Banks would rather put someone in an ARM product than a fixed rate loan.  

We would like to have a similar type of product; a low down payment loan with a construction component. 

It sits next to an orange grove, so no rear neighbors and it's close to a nature preserve so it's very quiet.

For whatever reason I have always been naturally interested in this stuff. 

Doing so right before a 1031 has always opened the door to a claim that you took title primarily for resale and not to hold for productive use. 

Be sure to ask though I might have the wrong product or there might be a better one.

Homegrown veg and some chickens - plenty of nature and real reality.So, my question(actually 2 questions) is:How would I find investors who might want to purchase off market(and on the market) commercial property leads?

What is the nature of the HVAC work?

If you are working with a conventional lender, refinancing/ HELOC follows the same general process as a new loan (underwriting)...there are some exceptions to this, but it depends on the lender/loan product, and situation...

When comparing apples to apples across the board with different lenders you will need to know what the interest rates are, what % down you will be using, what the total lender fees are, any points being charged & what loan product specifically you are looking at.