Again, most people turn their noses up at anything but 10%+ here.As far as calculating all the factors you mentioned, that is possible here as well, the only difference is that your margins for appreciate, forced or otherwise are much smaller.

No skin off my nose at all.

The problem is its small business/commercial and you pay through the nose.

Of course, we’re not conventional lenders.Even though they have no issue with charging you out the nose for every fax and phone call, some conventional lenders might also get upset if you pay them back quickly.

Having been one recently I can testify that they are likely sleep deprived, anxious over kids sniffles, and exhausted from moving in.Are they concerned about lead or other contaminants?

Plus, the banks clearly got bloody noses in the court of public opinion due to foreclosing’s and they know it.

All that being said: Why are you cutting off your nose to spite your face?

I paid through the nose for a couple of years by going with the national guys because I didn't know any better. 

Technical glitches are unfortunate but don't cut your nose off to spite your face.My pro account has made me a lot of money.

@Bryan HancockIt has always been shown since the very beginning that it was only a matter of time before labor income would take a nose dive.