I am trying to raise the 10% down and bring in a partner or GAP loan person.

We are a full service, higher standard PM company for Intentional Investors looking to hold their investment properties long term just in the Columbus area.

And I am aware of that even if I do get a judgment, that I would hire a collections company that would likely take 40% of anything collected.

I need an insurance company that is still writing new policies in Southern California.I recently received three no renewal letters from insurers.

A good loan officer will be helpful at that point!

You need to find a local insurance company where you want to invest, one who insures mostly in that area, and the rates will be better than you think.

Our 5 year call on this loan was to come in December 2009.

Is the TI and commission able to be wrapped into loan?  

@Wayne Kennoff- thanks   1) getting a personal referral is a good place to start 2) if you have narrowed down the options to a few -  contact both on the same  days and ask them for whatever  quotes  for your scenario ...ask for a loan cost worksheet  if  possible .  ...if their pricing ends up being  the same - make a decsion based on the  feel  for  cutoner  service you get when communicating with them.   3)  make sure they  disclose all the fees  related to the  refinance  ( not just their  own fees ) ..4)  reviews are   hard to  use to make a decision ( as you found out ) 5) rates are pretty high right now for rental  properties ....if you can wait to  refinance - you might consider doing so ...if you need to refinance - so be it ...Good luck 

As we went back and forth, we saw that the terms the bank or loan gave us were not set in stone.