We buy properties in high demand areas, Work in areas where there's a strong economy (more qualified buyers/investors) Buy land priced at or below market value, Design as cost effective of a project as possible,Shop everything for the best price and highest workmanshipList our own properties (and sometimes sell ourselves)Act as our own general and electrical contractors, Do all preliminary architectural and site design in houseStay involved with engineers, architect, planners, etc.Understand the entire permitting process, and build relationships. 

The answer is NO, as you thought,,can you cheat, yes, you can also shoplift today when your shopping, but I don't advise doing either, they are against the law, and mortgage fraud is a lot more serious than shoplifting

Companies like Adobe, Ebay, Amazon, Xactware, Vivint, Ancestry.com, Entrata, and others have all set up shop in the area. 

Not to mention your close to shops and great access to public transportation.

How many brokers does one get a number from when "shopping around?"

It took some serious shopping around to find a lender to do the deal. 

If you get a break down it's easier to start shopping around and checking numbers otherwise you never know if he's just trying to get you to start the work and then raise estimates as the project progresses.

The ones I see lower are for 1st position only.I don't think 8% is a terrible rate for a 2nd position mortgage right now, IMO at least.Hi, I have not shopped around much, but I did get a lower quote 6.4%.

When I was shopping, that's what I was looking at.

I@Larry WilsonMaybe shop the submetering to a few more plumbers/contractors to see if you can know the price down.