just symptomatic of a recovered market.. what you perceive a deal to be based on 5 to 7 years ago is just not what the market is willing to pay today..over the years we change our strategy every 5 to 7 years as well to go along with market cycles.right now there is more money in short term lending than most anything else if you have sufficient cash. 

I want sufficient insurance, but if something catastrophic were to happen I would construct under more modern building methods.

If you have sufficient equity, credit and cash flow, I can’t see why a Bank would be reluctant to lend as that is how they earn their income.  

The very first viewing was a hit- family of 3, more than sufficient salary, has been in their current rental apartment two and a half years and are ready for a little more space, reliable employment.

The first lesson that we all can learn from your experience is the need for sufficient insurance protection on our investements.As to your question, my suggestion would be to use your cash to acquire multiple properties.

I don’t have a vast expertise on the commercial side of things.

It is complicated but you basically just need the number of people on the loan that have sufficient credit scores and income to get the financing you need.

so it's unclear who would be providing what but I doubt it is sufficient to move forward.As I buyer I would agree with the wait and see approach.

Does a $25 fee seem sufficient?

but the difference between living in a condo (a nice one) in mission bay vs say an SFH in glen park or Bernal are vastly different- one more neighborhood feeling, the other more urban.