Wrong bank. 

I'm guessing rental and cashflow... but correct me if I'm wrong. 

If you want to randomly write that your Operating Expenses are "Cost of Goods", you would be wrong and falsifying data.

There are still private lenders and HML in the market today, but they're upping their pricing and lowering LTVs.I don't expect to have the same prolonged liquidity crisis that we had last time (I certainly could be wrong about that).

There is nothing wrong with more dent if that property will give you  each month. 

There were so many things done wrong, imho, that caused the prolonged downturn.

Think of all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.

It's a risky time for both sides of any real estate transaction.I hate to sit on the side lines but I would rather be wrong than broke! 

My tenants will be happy with me and it's much easier to do someone wrong, if you feel they've taken advantage of you.

I mean don't get me wrong it wouldn't be ideal but worse case situation the math still worked.