A) 5/1 ARM – 20-year Term; Up to 30-year AmortizationInterest Rate Options:1) L5 Resi Owner-Occupied 5/1 ARM No Point Rate + 1.00% + 1 point2) L5 Resi Owner-Occupied 5/1 ARM No Point Rate + 1.50% + 0 pointPresently: L5 Resi Owner-Occupied 5/1 ARM No Point Product is set at 2.50% therefore, the CML Non-Owner Occupied 5/1 ARM rate would be1) 2.50% +1.00% = 3.50% +1 point2) 2.50% +1.50% = 4.00% + 0 pointTerm: Max: 20 yearsAmortization: Up to 30 yearsFloor: The initial rate on the transaction will be established as the Floor rate for the life of the loan.Repricing: At the end of the initial 5-year period, the interest rate would reset to the then 1-year T-Bill Rate (Index) plus 325 basis points (margin)No prepayment penalties requiredInterest Rate Repricing Caps: 2% +/- at each change date; 5% +/- over life of the loanClosing fees: Utilize mortgage calculator fee scheduleStandard commercial real estate loan underwriting guidelines are required (i.e.

These include the self-employed and commissioned sales people with excellent income, credit, and an adequate down payment.

I know that I need a company that offers excellent training, but what about joining a team?

., the onus is on the contractor to make all the arrangements to get the material to the job; they can't point a finger at someone else holding them up because "you" bought the wrong/not enough material; who pays if they damage the material; if there is a material failure, the contractor isn't likely to cover the cost of their labor to repair/replace if they didn't supply the product; and so on.

Product, Person, Structure, Knowledge & Professionalism.Product: There are good deals and bad deals.

My credit score is in the excellent range  and the purchase price will be around $150K, however, I don't want to borrow personally if I don't have to.  

There are also quite a few enzyme products out there, but working in an abrasive mix of TSP should help a lot.  

Bigger manufacturers like Milgard and Jeld-Wen have more accurate ETAs and don't have "insert" on their production line.

The lower cash flow made it harder to sell their product.

@Dave Foster excellent idea.