Rank them from worst to best in capital expenditures expected*optional, not always necessaryAdd those numbers together for each property.

She responds back claiming that I am unnecessarily using ger occupation in the argument and am now starting to harass her.Her response message was all over the place and extremely unprofessional (I mean, I didn't expect any better).

It has been 4 months and honestly it is a lot harder then I expected.

Hopefully after our conversation, you have a better feel for what to expect.  

I recently opened a HELOC and I recall it's at prime for the first year (7.5% currently), and I only paid minimal closing costs.PML or HML I would expect rates >10%, plus points, possible prepayment penalties etc.

@Maxwell Silva - In marketing / advertising, products and services are not expected to be sold the first time a potential customer is exposed to them.

their threat demonstrates their ignorance of the laws and expectations.  

I have done this and then we lost half of our W2 income, then a big HVAC repair, then the ELOC rate drifted up from 4% to 10%, then a storm forced a roof repair sooner than expected.

Like @John Underwood mentioned, you need to set the expectation of a 5 star review.We're very specific on our messaging automation. 

Start by clearly outlining your renovation goals, and follow up with an in-person or virtual consultation to ensure both you and the contractor understand the vision for the project and expectations.