Last I did their rates were 1-2%. 

Now it’s more than $107,000, according to the NAR.when rates were at 8% this was publishedA mortgage rate that stays around 8% means median home prices need to fall by 35%, to $265,000.If rates stay at 8% and prices at current levels, income needs to increase by 63%.

Also how do you set up contracts that are in your favor, such as being able to get referral fees that are more your in your favor?

You’ll get an automatic 20-40% discount (tax deduction) off the rates which might make doing it yourself not worthwhile. 

We would then rent the back unit for market rates and keep the tenant in the 1b/1ba unit. 

Stephanie - That looks like a great rate to me!

Each lender, for the most part, is going to have similar rates. it really comes down to communication and their process!

Insurance has been a big issue in our market this year as companies have jacked rates out of control. 

Lending could be an option but with interest rates high 7, I am looking for other creative options.

After being told there would be no pressure, on the second Zoom call she told us we had to sign up then by paying the $8K fee or risk losing a "$2K discount" and paying $10K later.