Florida has high insurance rates so that suppresses your cash flow in Jacksonville and Orlando.

That may actually be a plus for real estate as there is no appetite  amongst Americans for serious shut downs of the economy.

I've found a FEW banks that like what I do, but with one I'm very close to hitting their FDIC limit on loans, so very likely by March I'll hit the limit and be seeking another small bank that has an appetite for rental properties.Although I primarily rely on private money, I've tried to expand what I do and have even done a few (Extremely profitable might I add?)

Thanks to all, I definitely like the strategy of taking the lowest comp and knocking a percentage off of that, whether it be 10%, 15%, or even more depending on your appetite. 

I do the "Sergeant Schultz" routine pleading ignorance of the specifics of what we can offer and put them in touch with one of the firm's partners for a chat.Unless your appetite for risk is exceptionally high, I wouldn't just lend a mortgage or partner for equity to just anyone with a good story and your gut feeling that you should shower them with your millions.

It’s funny, I’m doing deals my Father would say he doesn’t have an appetite for.

Fire suppression alone can add $5-$10/SF.

There is a growing appetite to spurn the ‘McMansion’ and embrace tiny homes.It’s big news when someone converts an old metal storage container into an efficiency dwelling.

Within the framework of your risk appetite, consider the "highest and best use" of your money by considering what else you could get that pays you over 3.9 percent (don't forget you're paying tax on that income, so it has to be more than 3.9 percent), the risk of loss on that investment, the risk of loss on the commercial loan you have now, and act accordingly.You probably want to see how your reserves are.

The areas that @John L Desimone mentions are good, but the thing to keep in mind is lender's appetite as well.