The lender is giving 1% more than par rate and what they are doing they are refinancing after 6 months and payoff the a principal with remaining money left from initial 2-1 rate buy down and then again refinancing for higher rate and the cycle continues... hope this helps and let me know if it's confusing I will try to rephrase it  Something is not adding up here.. 

Quote from @Kwok Wong: Hey everyone, I’m working on structuring my first few fix and flip deals, and I’m a bit confused about how to properly combine Hard Money Lenders (HMLs) and Private Money Lenders (PMLs). 

Which reads to me that OP was talking about a very common confusion people have in the RCV vs ACV coverage differences in policies. 

You're predictably confused because there're conflicting opinions.

I do not see a credit score requirement, APR, or a few other things required.I understand you want to help Military Member or Veterans but it may be confusing.

So for the past couple of days I have been trying and calling different law offices to find a real estate attorney to handle my double closings and such but no one has answered my voicemails I am very confused Because there's so many different attorneys And I couldn't really find a law office with a supposed closing attorney please help!

Again, we need more info to help.Sorry for the confusion.  

Hence all of these very confusing rules. 

There is a lot of info out there but it just makes things more confusing and local folks don't help.

I understand now that it does not, that's where I was confused.