You are really looking for healthy apartment rents and healthy SFH prices.  

I'm always open for a healthy debate!

Central location - relatively motivated sellers - mostly fed subsidized (mental health) - is it worth renovating and raising rents      - is it possible - small Apts (mostly 1 br) - option to hold and cash flow then repurpose as city changes zoning / vision How do you finance a large commercial purchase like this - % down / LTV - amortization / ARM - cash flow requirements - inspection requirements - special clauses for maintenance refinance options later Asset or personal info more important Code requirements for commercial loan Deferred maintenance list -What are main issues with 50 year old apartment building ?

And I try to focus on how blessed we are to have such a beautiful, healthy child when frustration mounts! 

In less you are very in tune with the local market and data it is hard to see how healthy our market is. 

They tell me that the child has always been very healthy and never had any issues like that before this.

We have an extremely strong economy surrounded with good colleges and healthy public schools.

Even banks and credit unions are not immune.

I want the ability to be financially healthy with no worries and to leave a legacy for my children and future generations.  

Our best rate is 10% with 2 points, and that goes to folks who have experience, liquidity, decent credit, and a project with a healthy margin.