Does anyone have any experience with themIUL can be great products, but like all great products, you need to find the right one.

I started using these products as a client in my own investments, but had enough positive feedback from other investors, that I connected with the manufacturer and started a small business around it.Please feel free to reach out if you feel I can be of help in any way.

Looking at building costs, material costs, and lack of labor- anything we build now will cost 10%-20% more every year for the same product.  

Lenders are businesses and can decide what loans they want to offer.Non-QM refers to any product that is not a Qualified Mortgage under the Qualified Mortgage Rule. 

. - I am doing some diligence on the product and need.If anyone has heard of it or used it please lmk or if you have an opinion on the value of a solution that provides a wifi hardware and software for STR owners and management companies so they can collect data and market directly and improve the wifi experience for guests.

It depends on who the lender is and what type of loan product / loan program you're getting into.

Some hard money lenders don't offer these products but most do!  

@Nick Tanner Generally speaking, hard money lenders or really any non fannie/freddie purchase/rehab loan products do not have rate lock systems. 

Kyle PotswaldCitizens first position HELOC CMG a financial 70% LTVEast West Bank, up to 60% LTV with "no docs” Figure 80% on a rental, not in LLC First Florida Credit Union https://firstflorida.cumortgagecenter.com First CommonwealthFirst Midwest, up to 90% Chicago areaFirst Republic - CaliforniaGreat Lakes Credit Union Veritex , Texas HELOCHSBC 70%, for premier clients only Huntington 75% LTV 5 yr IO product available Hurst Lending and Insurance Investment property HELOC in Texas.

From the leadership perspective, I have had a lot of experience in my corporate career where I was a operations manager and managed about $100 million yearly spending, a $300 million production unit, 135 employees with 10 of them being salary.