Get all their years of knowledge in just a few seconds......sorry I've been binge watching Star Trek...so I couldn't resist.Anyway...My suggestions...Start with @Dave Van Horn's book.

  ( nice) I had an investment group I was a rock star to them. 

A 10 year balloon would be ultra rare unless (a) you have a rock star relationship, and balance sheet with your bank or (b) you can broker the loan into a CMBS product (this won't happen in the sub $1M category).If it makes sense to refinance now into another 5 year then by all means do it. 

He was cynical and jaded over the techniques of the "team" of people he was touring with, but thing that frustrated him, time after time was this:He'd see the same students showing up, time after time, constantly and frequently - notebooks in hand and stars in their eyes.  

What a relief-- I took a 15k loss, and thanked my lucky stars to be rid of it.  

I can never figure out how with the facilities, 5 million dollar coach and many of the 5 star kids EVERY year.

Things will star slowing down, you might remember there is one guy holding up a clean CR being presented to congress for a vote. :)

We see how much our friends make in real estate and just get star struck.

The stars have to align, appraisal/underwriting/title all have to push as hard as possible.I've seen LOCs close in a week, however....

I would say a normal propertie (five of ten stars).