The market is soft now, but with the new administration, we are going to see a lot more jobs coming in.

Morning Nathan,Congrats on exploring a big jump-it takes courage to buck the news cycle and confidently reach for a bigger future!

Thank you.Good morning, Joel - What you are describing is a very common practice on the private lending side of the financing industry.

I'm happy to discuss it further with you (I have appointments this morning, but will be back after lunch) and there are a ton of options now.

@Pratik as @Neil Narayan mentioned, cash flow is very challenging due to the property values, property taxes, and soft rental market.

Soft close on all cabinetry (think thats probably pretty standard in most areas now), dimmers on all light switches, mood lighting in kitchen, and cased windows rather than drywall returns.

Some costs are eliminated (such as 'soft charges') while others are accounted for in the interest rate. 

In the future, I'd request a "soft pull" from a lender and provide them with your estimated credit score to get a rate quote.

Lastly funding developer who has 3 subdivisions going in WA DC market. these are big time deals and with our funds for the soft costs  500 k to 1 mil on each project my client is going to make  sit down  but probably over 10 million net  life changing money and well we will do good too !!

Good morning, Ken!