My mother-in-law suffered a massive stroke in 2018 that required her to leave her home.Two thoughts for you:1.

There is a wide spread of housing from the North to the South and a massive quantity of bungalows.

Debt restructurization is common when rate-sensitive project is hammered when there's change in rate especially with these massive volatility.Now what I see is project with 1.4 DSCR initially is becoming 0.80 DSCR after rate increases 400-500bps. 

Needless to say, the metro Atlanta market is massive. 

I like to stick with 2-4 unit properties so I don't need a commercial loan, and I don't have a ton of cash in the event of a massive vacancy or capital investment, so more expensive isn't necessarily in my wheelhouse.

A batter bank is a whole other massive expense, and maintenance.

It's very difficult to capture such a massive property.

@Jeremy H. that sand additive is also a good thing to do on smooth concrete slabs that are likely to get wet.

And if you hang in the game long enough, you could do massive volume.  

We broker as well and have a massive network we have built.