一般来说, Agency loans 利息低费用高,it's because everyone is making money off you, and because it's non recourse, so if one day you walk away, you have nothing to worry as your personal assets are protected.
两房的贷款,1百万起跳,其实来来去去都是那几个公司在做,所以 appraisers 比较容易沟通,能带出最大限度的钱.
如果是伙伴合作关系,或者众筹项目,可以走这个路线,如果只是自己的物业,走小银行没问题.