Therefore, I am not inclined to shop with them for the garage door.

I do not own a specific property yet, I am still in the shopping/preliminary phase.

Also, time is money in their business, so if someone is simply shopping them into the 9th hr, it can be a significant waste of time as well - it's nothing personal to the borrower and lenders understand that investors need to shop at times to get the best rates and terms they can for their investment, but they just have to make sure they get something for the time spent on a file.Hope this makes sense!

That gives you the chance to shop for a deal without hurry because you are paying interest. 

I'd shop that loan some and go 12 mos to give yourself some cushion.  

I have been shopping for a hard money lender religiously for a prospective property...going on 2 weeks!

I've had more trouble with non students to be honest with you.You may find it harder to find insurance- I had to shop around a bit since most insurance companies I talked to refused to insure a place where students might be living.  

My bank was willing to lend on a purchase price as low as $50k with a 30 year fixed, you might find the same if you shop around.Kelly

If so, I would suggest shopping around with multiple banks.

Being north of 30th St is also advantageous: it's where more of the businesses are, where city hall is, and closer to some shopping areas (Pathmark grocery store is at 40th or so) and also Weehawken.