I know marketing is a huge component of successfully sourcing deals and from going from doing 8-10 a year to taking that to 40+.

Small box retail is doing well.There has been an adjustment to rents on a per sq ft basis with declining per sq ft sales.Many buyers are snatching up retail locations that have a value add component.

Sounds like there is a freemium component to your model where they get something for free, but can signup and get more.I guess we'd need more info on your biz model and goals to give you much of an answer.

And yes, a lawyer is a key component in most states and other states don't work at all like TX and MI.Haven't done it, the theory seems strong.

You can say that it has a savings component, that would be correct.

The other component that is figured in is your credit score (don't post it) but generally you pay a higher rate/higher fees if your credit score is below 760.

A mod'ed first may have a deferred principal component that does not show up on the loan balance and could wipe out any perceived equity you may have in second position, for example.Bob

Getting to that point is the challenge that many seem to face, but being able to execute on that seems like it is also a critical component. 

For a commercial project, the property is the most important component, whereas with residential, the borrower is generally the key.

I usually take a good look at the electrical system and when you start seeing original components still inservice out in the open then I usually figure in that I could be revamping the whole system piece by piece.