We have to get this nailed down by the close of escrow obviously.2) Our HM lender terms are: $375k initial loan + $100k construction holdback = $475k Total Loan, 10%, 2.5 Pts, 6 mth.

Totally different businesses.

Totally agree with Rick. 

Remember that every property is different, (example owner pays water, sewer, garbage, landscaping, heating vs. tenant pays all those expenses; this can make a huge difference) so your best bet is to nail down as close as possible each line item in the expense column. 

With more research, I bet this will be a fill-in-the- blank process.

Don't, I repeat DO NOT USE SEARS........... they're terrible.just hop on yelp, probably a good bet herehttps://www.yelp.com/biz/able-appliance-overland-park-5

(wink)As you can see, I took your somewhat general questions and ran a direction totally the opposite of where you wanted to go, probably. 

Hopefully the house appreciates to a point where its worth more than total amount of the loan you gave him.

Hello,Im looking to purchase a small multifamily (under 10 units), in what counties in Maryland would be my best bet?

I'm a small business owner and my wife is a real estate agent (and ex interior designer), we both have 700+ credit scores, but not enough cash on hand to cover the difference between the usual 70-75% loaned by hard money lenders and the total cost of projects in the Tampa area.