Hey Robert, I have struggled with the adjacent before/after for different reasons as well (Pricelabs really needs a better education model) on their product, but I was able to figure out my issue by reaching out to them.

I reached out to a second lender that has more agreeable investment lending products and I think we are going to avoid putting it in my personal altogether. 

First Republic - CaliforniaFremont Bank, CaliforniaFulton BankGFA Federal Credit Union 10 yr draw, 10 yr repay, MAGranite State CU, NH 90-100%Great Lakes Credit Union GTE Financial, FL w 2 yrs tax history on propertyHanscom FCU, FloridaHSBC 70%, for premier clients only Horizon, Kalamazoo MichiganHuntington 75% LTV 5 yr IO product available.

There are only so many PRODUCTIVE hours each person is capable of producing.  

The product is available but the pricing is not as pretty by any means, you’ll be looking at a rate 1-1.5% higher and possibly an extra .5-1 point in cost right off the bat. 

The asking rent growth rate decline of 2.7% observed over the past 12 months compares unfavorably to the long-term performance of the metro, and rent growth deceleration has been shared broadly among the Los Angeles metropolitan area's thirty-seven apartment submarkets.Competitive Inventory, Household Formations, AbsorptionThe first quarter added 6,770 net new households to the Los Angeles MSA.

When they go to sell they find this out when they have no equity in the deal. 2) they go for the interest rate, which can be refinanced down, instead of the purchase price that can’t be changed after purchase. 3) the location and product are carbon copy with their competition.

Despite declining sales and increased competition, Macy's real estate assets are proving valuable, particularly as U.S. retail vacancy rates remain low.Macy's has already sold a Miami property for $36 million and expects to generate $115 million in asset-sale gains this year.

That's why I'm currently training new staff to ensure we can always deliver properties with the required quality standard and efficiency.By the way, do you think it would be interesting to offer some basic customizations, like themed paper products or towels, during specific holiday months? 

Why not just ask the seller since they'd already declined a $1M offer instead of having us do more work.From my perspective, if they want to sell, they have a verbal offer they can accept, and if they don't want to present a verbal offer, the seller probably isn't very motivated.What would be the point of sending a formal offer in this scenario?