There is nothing rewarding about what I do.

Its more important than rate because while the 2.15% or 3.30% doesnt sound like much its very easily avoidable to structure the loan to absorb these costs with out adding them to the loan amount (financed) if you know what you're doing.Its a balance between risk and reward but if we know the game plan its easy to greatly reduce risk while upshoring lots of upside, especially for your VA loan.Anyone can get a VA loan done but the difference is getting it done with the most efficiency so that you can supercharge your finances. 

Never say never, just balance risk, reward, and your solve for the problem at hand.

Yes I charge myself very high labor costs and reward myself with free food from Wendy's, Chili's and sometimes Texas Roadhouse if I'm lucky.

Anyway, I don't think you'll want to be a lender when you find out all the barriers to entry in this arena.You'd probably be better off getting with brokers like Marc, Loc and Will, get into purchasing existing notes if you really want higher yields, but it doesn't really matter what you invest in, there will always be a risk and reward aspect, nothing is easy.

I determine the amount of reward I expect from the risk.-- Now, I can determine the value of the property based upon what I plan to do and not what others are doing to other properties.This is certainly not the only method, nor will it work for everyone.

I've been in a very rewarding partnership with an elephant (lots money, slow to react, and preferring to remain in the background) for four years now.

I simply let it be known what I did and the rewards, greed gets them every time after you develop trust and they understand what you do, they ask me if they could get involved, I didn't ask them!

Providence rewards those that dare!

As a rule you should always remember that due diligence has its rewards and to always underpromise and overdeliver.