However there are some systems that can operate at 118% heating capacity down to -15°.We sell entire systems along with installation parts and individual components of a system.

So you pay this individual 10k to be able to find a deal for him? 

It matches the typical demographics who rent MTRs: individuals or couples for 1 bedrooms, families for 3-4 bedroom homes.

The tax consequences are $400,000 for a single individual and $60,000 for a married couple filing jointly.

@Brittany Moreland - If I were the type of individual/entity that had hundreds of millions of dollars available to invest, nothing about what you're suggesting would sound appealing.  

I do not lend to individuals. 

Next they  informed me the soft costs associated with the a design work would not be released until CO…ok I can live with that and when I finally thought I was going to be funded I get an email that the property taxes were delinquent.

There are definitely pros and cons to each so I figured I would just lay out a few benefits and personal thoughts: Small banks/brokerages:Pros:- Some regional knowledge of the market- Possibility of more creative lending guidelines with bank specific programs- Sometimes they have competitive rates for their areaCons: - weak balance sheet (more strict on some guidelines, no wiggle room, inability to be flexible or grant exceptions because they cannot afford to hold less than perfect loans)- Can't scale with clients to different markets- Usually limits exposure to individual investors (they don't want one investor to be too big of a portion of their balance sheet)- Lack of experience with multiple solutions (tend to have 2 or 3 loan products they sell and are too niche to provide tailored solutions)Large banks/brokerages:Pros:- Large compliance departments that understand individual market guidelines (typically each state has specific lending guidelines that augment the national baseline)- Ability to scale into multiple markets with same lender (licensed in many states)- Impossible for individual investors to "outgrow" a large bank's balance sheet (not concerned with one investor's concentration)- More lending solutions available for different scenarios- Often comparable or better rates given the game is volume basedCons:- Can be more difficult to get fast responses if the bank/brokerage does not have good follow up systems in place (or if the underwriting/processing staff gets overwhelmed)- Bad large banks can feel less like a relationship and more like a cog in a factory (less personal)Overall, I have worked from both and worked with both as a loan officer, branch manager, and as an investor/client myself. 

Quieter tenants translates to: Older individuals without children or noisy pets. 

I'm not sure our individual experiences are correlated to what's happening overall but I've definitely experienced many more last minute bookings than ever before.