Okay, let’s tackle this. So David Durham has 57 years of experience in mortgage lending and investments, which is extremely rare and valuable. He's also a President of a company, which indicates high-level leadership. His expertise in banking, credit, and financial analysis is in high demand. Considering his location in Clarkston, Michigan, and the industry demand, I would estimate his hourly rate to be around $250. This is slightly below the national average for experienced mortgage lenders and investors, but his unique combination of experience, leadership, and expertise warrants a premium rate.