If a lender is heavily a commercial lender in growth mode for the portfolio they tend to get more aggressive on the rate and term for the loan and willing to negotiate loan docs and other items more.I like to see lenders that specialize and understand a specific asset class and want to do loans.

Put down the Keyboard :)The statute specifically talks about unforseen circumstances as exceptions to the period of qualified use. 

It might be the best way to get your money returned fastest.Speak to brokers and mentors in your specific area.You can use  https://www.biggerpockets.com/forums/521-events-and-happenings to find local events

They would be personal guarantee, since they're not collateralized by any one specific property. 

Specifically the exterior and interior paint?

Could you give a few little specific advice so that i can focus on?

Moving forward every new agreement must specifically state the no cultivating and smoking of canibas in the agreement.  

Make sure you have the property contingencies in place to protect yourself-  Inspection, loan, appriasal, termite and specific timelines. 

Every tool and box of nails has its specific place. 

Can we have names of specific lenders and what would be a ball park increase in interest rates over a conventional loan in a personal name?