As for the lack of burnable material in the Palisades and other areas now, insurers will want to rebuild reserves and augment reserves for the next time, not to mention not exposing themselves to risk on this scale again.what I see happening is that the government will simply cut the Gordian Knot by using eminent domain to seize properties and redesign/rezone the whole area so that it's more defensible against natural- and human-caused catastrophe.

He usually posts her on a bikini, push up bra, breast augmentation  whatever.

Could you highlight a few ways that using DealCheck could augment what we are doing on BP Pro?

They are skiing all damn day so whatever augments that, it works best for them. 

What you have done is effectively refinance your mortgage at a lower, albeit variable, rate.If you go back a couple of years in this thread, I posted a series of spreadsheets comparing variations one of the cases originally presented to sell this approach.If you were to model making more frequently (i.e. accelerated bi-weekly) mortgage payments and augmenting these payments with additional principal payments (the amount you currently apply to the HELoC), my conjecture is the gap would be rather narrower.

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We use Monday for CRM and we augmented it with Keap.

These contracts and discussions within the community are augmented by the real world applications of the same, as well as the corporate structure necessary to provide all the protections and benefits.

But obviously, we have spent the better part of 20 years on the buyer's side of the table, so we are looking for some general advice, tips/tricks, or even the pitfalls of setting up a hard money lending arm to augment our current business model. 

There are definitely pros and cons to each so I figured I would just lay out a few benefits and personal thoughts: Small banks/brokerages:Pros:- Some regional knowledge of the market- Possibility of more creative lending guidelines with bank specific programs- Sometimes they have competitive rates for their areaCons: - weak balance sheet (more strict on some guidelines, no wiggle room, inability to be flexible or grant exceptions because they cannot afford to hold less than perfect loans)- Can't scale with clients to different markets- Usually limits exposure to individual investors (they don't want one investor to be too big of a portion of their balance sheet)- Lack of experience with multiple solutions (tend to have 2 or 3 loan products they sell and are too niche to provide tailored solutions)Large banks/brokerages:Pros:- Large compliance departments that understand individual market guidelines (typically each state has specific lending guidelines that augment the national baseline)- Ability to scale into multiple markets with same lender (licensed in many states)- Impossible for individual investors to "outgrow" a large bank's balance sheet (not concerned with one investor's concentration)- More lending solutions available for different scenarios- Often comparable or better rates given the game is volume basedCons:- Can be more difficult to get fast responses if the bank/brokerage does not have good follow up systems in place (or if the underwriting/processing staff gets overwhelmed)- Bad large banks can feel less like a relationship and more like a cog in a factory (less personal)Overall, I have worked from both and worked with both as a loan officer, branch manager, and as an investor/client myself.