I don’t want to buy it at market price. 

Lenders who call themselves 'Private Lenders" who are actually professional lenders are a dime a dozen.

Obviously the market is pretty tricky right now and need to be even more conservative with projecting numbers.

This market is fun and interesting.

We are committed to offering market competitive pricing by taking the entirety of the JPMorgan Chase & Co. relationship into account.

Are they legit, timely, professional and pleasant to work with? 

I'd love to connect and talk more about the market out here if you'd like. 

Hello REI community,
I have questions in the topic of large multifamily apartment complexes generally around the U.S. Who do you know is willing to answer?
Thank you for reading this far;
     -Ruben

Since they are not professionals they may skip some of the hoops any professional lender would want.  

I didn't have control over the ARV figure (the market controls that) and I found that if I tried negotiating a lower rate/points with my private lender they would find other places to invest their money.