He may come out and give you a quote for no charge. 

That will cause almost anything to fail and wear out far faster than normal, probably void any warranties, plus will likely create a trip hazard at doorways and perhaps unsteady walking conditions across the expanse of the flooring, which would be a hazard to health and safety in itself and expose you to liability if someone were to get hurt as a result. 

The faster you can make that happen, the better.  

Consider coming out to our REA this Monday night (free of charge). 

My other question, seems like most banks charge fees for accounts with less than certain amounts.

If you have a good amount of cash reserves, you will find an partner / investor faster. 

Most  brokerages here either are 80/20 or 70/30 split which often then charges additional desk fees and insurance  on top.  

Separate the trades, demo contractors are faster with demolition work and framing contractor is faster framing them.

On the Facebook group, people started right in telling me I was charging too much, calling me names, telling me to have a heart, etc.

Prior to this year I had always been hesitant to  delve into the world of credit and my mindset was, If I don't have the money for it why charge it and if I do have the money for it then I don't need to charge it.