And technology aside, this business hasn't changed much in the last 20 years.

I personally offer my guests free access to Netflix, Hulu and Disney+.

The downside will have more to do with your business personality.

Quote from @Michael K Gallagher: Quote from @A Rao: I invest in land and have done entitlement/zoning and other DD work successfully for years.A broker called me this morning on a property I have on a busy interesection and has a QSR client who likes the location, but does not want to do a ground lease, only a build to suit. 

My only reply here is to say to simply focus on the business objectives.

You look like the kind of person who is going somewhere.

Using a smaller bank or credit union is the way to go.Being that you have been in business for 10 years I am VERY surprised your business banker can't help you!

Liberals make friendly cities, and conservatives are pro-business.  

Hi Matthew, Congratulations for being in this business for 35 years. 

Firstly, becoming a multifamily agent is a fantastic way to learn the business first hand while making some cash in the process.