This offering enables us to meet the diverse needs of our customers, while keeping pace with the changing competitive landscape.

The safeguards and diversity that a prudent investor would adhere to must be present.So put that in perspective relative to the lending arrangement you are considering. 

The openness of the people to change and cultural diversity?

Something that is really neat about the area is the diversity between all the different neighborhoods.

Banks are a bit diverse in their portfolio and we have found the farm and ranch bankers sort of 'get' the loans on land that makes money concept.

It's why the numbers are kind of so-so if you look at it from any one specific angle, but I like the diversity this property has and how it's a blend of all the categories since that's what I needed.

I plan on looking out of state for different markets and diversity and hope to be doing this full-time by the end of the year. 

To add on to Josh's comments, Dane County has a very robust and diverse economy which is great for mitigating risk. 

Indicators like diverse employment, rising wages, not easy to build (but currently constantly getting easier), housing shortage, low vacancy rates, great climate, etc. point to the high appreciation CA cities having continued long term appreciation (market and rent).I hinted at the state level movement to increase housing.

I am painting broad strokes for simplicity.I feel that diversity and knowledge are inversely related...need more diversity when knowledge is low to mitigate risk and less diversity when you develop expertise (leverage it).