I think there is also a cultural aspect to this.

It's actually pretty nice from about November until the middle of may, then we all retreat back into the world of air conditioning.You probably visited either the Cultural Center downtown.

These same people never attempt to start a small business or add any value to society other than honing their skillsets for someone else.Is this something that is innate or do you feel like our society promotes this in a manner greater than other cultures?

Even got a sourdough culture growing in a jar in the fridge now...lol.As to Sarah, 'nuff said. :-)Tim

Is it a cultural thing?

If the investor has money then of course they will not want a hard money lender.I have a few sources who I have relationships with for private money.I agree there is a lot of money sitting in the bank with miniscule returns.You can get your cash private investor much better returns on their money but you have to culture a relationship with them.Hard money lenders have to charge certain rates to make their spread to pay off their funders returns.Individual hard money lenders have more leeway but big companies usually have set guidelines to follow.The bigger deals for hard money are for sure in commercial deals right now.

The property is comprised of Irish tavern on the ground floor and basement, the first and only all draft Guinness bar in the world.

As it relates to home ownership, the discipline and long term vision required to undertake a 30 or 40 year contract is diluted in an "excitement" and material oriented culture.

There are 1,550 footnotes where all the info came from.Then, read Culture of Corruption by Michelle Culkin.

Appearance can be tied to culture, religion, or health and those are illegal reasons for rejecting.However, it is very legal to reject for demeanor if you feel threatened.