Agreed, my choice of wording was not the best.

I make no assertions nor hold any opinions about what decision making paradigm one should use to make the choice if they should pay a QI or attempt to go it alone; that's up to them. 

Some live for 10+ years in an SRO even though they could easily afford a 1-bedroom apartment, because it frees up a lot of monthly cash for other life choices (expensive sports, etc).

Their quicker approval and closing processes make them a practical choice for competitive deals.

The next tier of choices are the "portfolio" lenders, such as MOFIN, Corevest, LendingOne, Visio and the like.  

If they are the kind of tenant that insists to be present for repairs that is their choice. 

It's not always a choice between cash flow and appreciation; there are some markets where you can get both.

That limited the number of available choices.

I don't like how high the property taxes are here but most of my beef with that is with the local folks and the choices VOTERS have made about the hundreds of school levies they've tacked on.

The bottom line is that if a person wants to make certain that he or she is in compliance with applicable usury laws in North Carolina, the safest course is to keep interest rates on personal loans at 8% or less.