I'd agree that the biggest danger to this market is global warming. 

Thanks for the warm welcome!

It's funny, I couldn't find a similar warm off-white in the BM book, but they have no problem mixing it for me.

Hi everyone,Thank you so much for the warm welcome!

Because I have been in recovery myself for 12 years now I have a network of people who work in treatment centers and detoxes and most of our residents are referrals from such places.

Dear [Sender's Name],Thank you for the warm welcome to BP.

Thank you, Bradley and Julio for the warm welcome!

I’ll do some networking as well, but a warm connection is always preferred.

yes 100% financing is likely not going to happen. i say likely because I'm sure there is someone out there somewhere who would willing to take this on, but certainly not going to be an easy find. ground-up construction is more challenging as well, as you will need to evidence your experience w/ previous ground-up construction deals where you are on title. this is how lenders feel warm and fuzzy about lending you so far above and beyond the existing land value before anything is built on it. 

What you can learn from my loss of a year's worth of work:Use your own judgment on the interest rate sensitivity.Figure out how much  NOI drops per 1% interest rate increase.Add 1 to the cap rate  per 1% interest rate increase.Then its pretty simple math to see how it goes upside down.My house is warm.