The result is the same, using your financial strength to your benefit to secure a better price.

My girlfriend has had her current job for less than a year, so she doesn't have a lot of loan strength either.

It all depends on the strength of the borrower these days.

I am also in a partnership that owns/operates a premium strength training facility, and I have two little kids and a part-time gig in the USAF Reserve.

Depending on what your goals and strengths are will greatly influence the best strategies you should employ.I agree with Ratho, Dave Van Horn has excellent info on non-performing notes.

@Lester AppelCommercial loans are different from 1-4s in the following ways:- Shorter terms (typically 3, 5 or 7 years) and shorter amortizations (typically 20-25 years)- Usually have a minimum debt service ratio like @Ashley Pimsnersaid- Higher interest rates- Some are more focused on investor strength; others are more focused on property strength.

They're experts at this.I would also think most lenders will want a very detailed and specific business plan on the concept and see that you have strong partners on your team in the areas where you don't have strength....that might be civil engineer, zoning consultant, realtors/brokers and others. 

Try to insert your value and strengths into whatever theyre lacking.

Most people, when using income based loans, don't have all 4 of these pillars at full strength.

Also, do you see continued strength?