Carefully considering your loan to value in your initial loan request is crucial in the swiftness of the loan being funded. If you submit a request with a loan to value that is too high for your property type or characteristics, lenders (private investors) will not even look at the loan request. The trick is to put your a loan request in front of the investor nose. 1. Your first goal is to get as many investors as possible to read your request2. Your second goal is have the investors look at the property3. Only then you can start real negotiation on terms 4. select the lender who offer you the best loan for your needs. (it may not be the cheapest offer but maybe with more cash , longer terms etc.)See more at http://www.lendinguniverse.com/BorrowersConstructionLoan.asp