@Dave PetersonIf your only real interest is the loan, you do not need to take on the administrative burdens that come with a custom checkbook plan. 

Even for those who feel confident in navigating different markets, the high prices and interest rates in this area have proven to be difficult.Would love to hear your thoughts and theories on why the Bay Area's market behaves so divergently.

Method:Sand-oil primer-sand-paint-sand-final coat.I have used this method for custom cabinets, furniture and built in.

Those customers are coming to you because of price only.

For one, there is a lack of customer service.  

Their legal system and government help is a spiderweb to navigate.  

Yup, especially if it's completely custom...

You can have the fees paid by either party and they do free custom web forms that will take eCheck, Credit and Debit. 

We certainly look at them by custom, accept them as a tool to evaluate a deal, but there are better measures, such as the ROI and COC, weighter approaches to an IRR. :)

(The best custom builders/remodelers here in Austin have worked with the same subs for decades.)