They don't appear to employ real people in their customer service dept and I don't have the patience for Bots.....2.

Are any of the people who posted here still investors in southern Illinois?

It's just lending people EMD.

If someone asked me how bad it is, I would indicate different people have different levels of tolerance but the plane noise is loud enough to interrupt conversations.  

Regarding financing (and sight distance approval), maybe having your architect make up a small model with people and cars to help sell the project to the bank.This could be costly and of course there's no way to measure the effectiveness on their decision. 

Loan to value ratio: The higher the loan to value ratio (LTV) is, pricing takes a hit.

The structure we landed on was as follows:- Fixed Builder fee of $300k (each project varies but are 2-6 units, and 5,000-9,000 total finished sq ft)- Fixed Return on all my initial capital invested of 50% (plus return of 100% of initial capital)- Remaining Profit Split of 60/40 (60% to me, and 40% to him)I understand a lot of this hinges on how accurate the proforma is and how close we can get to actually hitting our development costs estimates, build cost estimates, and sales per sq. ft. estimates.

He has experience setting up syndications, but past that if you're planning to make moves in California getting started with him or anyone at Cox Castle plugs you into one of the hardest hitting real estate law firms in California with highly experienced lawyers in construction issues, contracts, financing, work outs, land use, multifamily/commercial purchase and sale etc. 

During the refi boom I had people cancel on their lender and switch with me after they had signed closing documents(this was during the 3 day right of rescission for the VA loan) you may incur costs such as the appraisal, but other than that you shouldn’t owe anything to the lender.

There are quite a few investors who attend that meeting and usually a few contractors.If you need any other referrals for your team let me know. the people on our team are great at what they do.