Over time, you'll find ebb & flow between sources, but you MUST maintain the 3-5 at all times as it's difficult to predict which ones will work, when.BTW: be careful of hiring companies to drive leads.

I can put anything on paper, but the certainty of closure is worth far more than 1/8th on the rate IMO.  

Quote from @Shuchi Gupta: Hi BP community,Looking for real-world experience from multifamily owners or investors who’ve done a panel upgrade.I have an 8-unit building in Santa Clara, CA, and I’ve received 3 quotes to replace the main service panel & meter bank (9 meters total, including common laundry).What differs across the bids:600A Eaton meter bank Square D panel but amp size not specifiedOne bid includes the laundry subpanelSome bids don't include permit/engineering/stucco patchingPrices range from $19K to $38K some not including permit fees.Current setup:1960s buildingGas water heatersShared laundryUpgraded kitchen appliances over timeAll tenants have window AC units, No EV chargers yetQuestions:Did you go 250A or 600A on your small multifamily upgrade?

The issue is the bank (seller)  has expressly forbidden me from accessing the property until deed is transferred.

I wasn’t even bidding at the time.

Over the past few years, I’ve worked with investors to build portfolios of rental and buy-and-flip properties, focusing on both on- and off-market opportunities.I am currently in the process of moving to Ohio and building a new market, which is why I’m new to BiggerPockets.

He wanted 5.5% over 5 years with the ability to keep it another 5 if unable to transition to a traditional mortgage or balloon payment.

Building wealth is, in theory, pretty simple — the real challenge lies in diligence and consistency over time. 

If they're at the top of the results in a competitive market, they are definitely legit. 

I want to make sure I don't purchase then end up in a situation where I am losing money month over month, just to save on my taxes.