Why the hell would we want a loan to do a business where our only part is get clients, survey work, turn in paper work, than wait for installation. You make it sound like we furnish something. I do residential and commercial rehabs .I also buy and sell properties. When working for a client, I don't use one penny of my money. It's called contracting. I have sub contractors perform the work .Do you find it hard to believe a banker has sence enough to cut out the middle man and reap the benefits of the whole project. I have companies call me all the time with projects within a 30 mile area for bid .With that in mind, all the bank has done is use us in the same manner plus we basically do the estimate. That dumb ass banker will make a hell of a lot more than mere interest. That's a 25 to 35 percent profit. Yes they are out initial investment, but will most likely recoup that in 6 to 12 months. Pretty damn smart banker I'd say.