Unemployment and wage levels will be a mixed bag. 

Sorry, VERY wrong again. the most sought after individual's for lawsuits. the sweet spot are your average investors (neighborhood millionaire) {contractor, lawyer, doctor, nurse, etc) who just turned the corners with assets, of 1 million to 3 million who now has tons to loose from just the threat of a lawsuit let alone an actual judgment.

i dont pay attention to who we vote into our cabinets, but i guess it would be a good thing if we got a more diverse ethnic mix into ours

You could get a duplex in a B-C class neighborhood for 250k and take advantage of a hybrid mix of cash flow and appreciation. 

I am looking at a mixed use building in the 6 to 12 unit range in an expensive area of the country.

I am trying to refinance a my mixed use property in NYC, who are the best banks to accomplish this?

Allow the bank to do the work rather than you needing to track money intended for different purposes all mixed into one pot.

Seemingly plausible, but it seems like just a stall tactic.By this point I have talked to several other investors who have been mixed up with Scott.

I think 50-150 units is no mans land and we stick to institutional level sized deals. his underwriting is too simple. the unit mixes are off we only build studios and 1 beds for fast absorption, the deal is also under parked without a parking study. anyone who uses "roughly" in their analysis isn't sophisticated enough. we underwrite rent growth, asset growth, and a million other assumptions this wouldn't pass any people I know who invest in deals. get with a More experienced operator and read more sophisticated underwriting. 400k per door new construction is crazy. how much is the land? 

This might throw a wrench into the mix because the seller will end up making less money.