You can explain to the Realtor that if you don't do this, then it has to be a cash buyer and they will offer less.

We are currently offering 12-16% interest to our private money investors which we feel is a strong offer in this market.

He is a mentor of mine as well, and is not so interested in making money but rather he told me that he likes to see 7% in his passively invested accounts, so I offered and he accepted that I would pay him 8% APY On the principal that I borrowed. 

We just made an offer on our first deal.

They offer wealth management but they also offer joint venture deals where they look for partners to purchase Multi-Million dollar REI portfolios. 

So if you're buying a stabilized cash flowing asset, the returns you'd have to offer a PML would be lower.

The below terms are live as of this date, for a rate and term refi (no cash out).From left to right:Points: 1, 1.25, 2.Prepayment penalty: 10 years, 3 years, 5 years.Commentary/review, hopefully this thought process is useful when evaluating offered terms for a maturing commercial mortgage that needs to be refinanced. 

I was told my by loan offer over a year ago that the rates in spring of 2024 would be back in the low 6's high 5's... look where we are. 

If the builder miscalculated or overlooked on certain items, now they are making very little/nothing/lose money, either they will honor their word and still finish the house for you at a loss, or they just stop showing up to your job.

Any resources who can help us structure this (other than https://www.nationalfamilymortgage.com/ who does not offer support in our state)?