The bank where commercial only makes up a small part of lending for them they tend to be ultra conservative on rate and terms and price in risk because they do not understand that space on a deeper level they just dabble in it.Other commercial lenders where a majority of their business comprises that they usually have a more intense knowledge of the subject so can give better terms to mitigate risk in their eyes.   

The lending environment was ultra tough during those years.

I also just started training for ultra races and signed up for New Jersey and Vermont.

We have a ton of equity in the property, our accountant checked over all the financials and finalized them. 5 year proforma and OpExp, construction budget, source and use of funds, Draw schedule, and construction schedule all included.We had a broker run several market reports from CoStar to verify numbers, and decided to run the financials at 30% lower rates than this to be ultra conservative.

It's a new AirBnB company that focuses on the ultra premium market. www.luxuryretreats.comLet me know your thoughts.

For example, you could pick up roommates and split the utilities with them for your unit to keep your expenses ultra low. 

This arrangement continues in much of the world to this day.But there have been a few exceptions to dictatorship rule, also known as warlords, also known as monarchy, also known as ultra-left government to put it into a modern definition.The exception was democratic.

I've been pretty good about screening my tenants and being ultra selective. 

If you are one of the ultra conservative, pay off debt, and don't worry about ROE, then the 30 year makes sense.

Some lenders are being ultra conservative right now.