Sure, we have some differences in investment goals and risk appetites, but we have been able to overcome these differences (*knocks on wood*) because we get along; (2) We have different skills and interests, that as a whole allow us to compliment each other; (3) Scale/Share the burden. 

Make sure to be very specific with all the family members on % and risk appetite for each of them.

Think BUY NOW while demand is suppressed and refinance later. 

In the commercial world though, there seems to be more appetite for creative financing options.

However; Campbells union employees, coupled with the State of California's excessive appetite for more tax revenue leaves little left for them to operate.

What will you do when this lender struggles or the committee no longer has an appetite for this level of leverage and calls your line?  

@luke Carl sold his hot rod, I sold a bunch of guitars and a rare Marshall silver jubilee 25/50 amp (just like slash played on appetite for destruction while we’re talking about GnR.

Both are a bit smaller and tend to change their lending appetite a fair amount.  

Additionally, another "Big ticket item" that is new to the Chicago Building Code requirements as of 2020, is that any new building with 4 or more units will be required to have a fire suppression system (i.e. fire sprinklers)!

So those who can't qualify would have to either buy a home that needs some work, or get a smaller home in the same area, or get a 3/1 instead of 3/2, or adjust their appetite and settle on buying in a lower priced sudivision.I closed on a N.