i fyour getting paid off when the vertical loan goes on.. then your in first position . so not sure what the issue is? 

Quote from @Erica King: I like the concept of duplex and 4plex . so I could stay in one.

I was the agent, so I recommend myself for all your southwestern IL investments.

. ;-)  Well I'm an agent so that won't be necessary.

If so, what tools are you using?

Hmmm @Jonathan Snider, so what are they saying is "normal" for the interest rate?

Use the top three or four discriminators so applicants can screen themselves.Then you need to have clear screening criteria yourself.

It seems like there's a lot of opportunity right now in that SEPA and South Jersey area (I'm on Long Island but have worked with folks who operate down there), and you're setting yourself up with smart partners, so you're ahead of the pack here already.I do have a good relationship with a strong commercial brokerage firm in that area, let me know if that would be a useful connection for you.

Frisco might be the new downtown, so people living in Frisco probably go to Frisco for shopping or events. 

So investors want someone with a long track record of reliable and risk adjusted returns.