Loan loss reserve (LLR) guidelines are likely to be documented in examination standards and Financial Institution Letters (FILs).

Correction: FDIChttp://www.fdic.gov/bank/individual/failed/silverstate.html On September 5, 2008, Silver State Bank, Henderson, NV was closed by the Nevada Financial Institutions Division and the Federal Deposit Insurance Corporation (FDIC) was named Receiver.

Here's a link to state-by-state security deposit laws provided by the Institute for Real Estate Management.

From what I understand many large institutional investors have basically overpaid for projects where they could rehab and then raise rents and occupancy.

Yet Putnam Funds just closed a $12 billion Money Market Fund due to redemptions by major institutional investors.

His firm usually acts as a Joint Venture Partner in real estate transactions but can be available as an outside consultant (feasibilty, land use, etc) for Florida real estate projects and acquisitions by development firms and or institutional investors wishing to enter the Florida market.

I dont know if the value of anything that anyone owns is ever under their control..............but I think that the answer to the question on the topic is obvious....Developers are holding to property longer because of the overall institutional freeze on lending and credit markets, and the effect that it has had at the retail level.

I was talking to this mortgage brokering institution today and i was asking about a Hard money loan for some properties i was trying to acquire.

Here is an institution that is built on trust and sound principals that feed on the hopelessness of people.

A great article... thanks Dan.It sure does fill in some of the gaps, since the "mainstream media" is telling us NOTHING.I particularly liked these two paragraphs:"What terrifies me … what wakes me in a cold sweat … is that the single most corrupt, inefficient, incompetent and idiotic institution on face of the planet is now trying to “fix†the problem.And that especially frightens me because, the closer I examine the roots of this crisis, the clearer it becomes that it was engineered almost entirely by the very bumbling buffoons who are now charged with ending it: The U.S. government."