Hey peter, absolutely agree with you on the shopping on price.

You may be able to reduce expenses through energy savings, appealing assessed values, shopping for utility providers, etc. 3.

The property has a laundromat ($24K/yr), mechanic shop ($7200/yr), and 2 mobile homes (owned by the tenants) on a month to month lease ($400/mo).

I am in orange county, specifically Santa Ana and could not find a bar or coffee shop where real estate, escrow and mortgage professionals meet to network.

We’re a one stop shop for everything you need.

(These loans aren't cheap and so I am going to shop it around some more but let's assume this is the best I find.)  

If you are just holding the lot, then there are more favorable terms available than what you are currently experiencing.I always recommend shopping at least 3 different lenders (even more), as every single institution has different terms and requirements, and they all offer different financing products.

Weaknesses: Rookie, underwriting / running numbers, work full time (from home). let me buy you a coffee and talk shop? 

It's a code word for tire kickers who do nothing but loitering around REI clubs (now online, but same concept), talking shop to everybody while doing absolutely nothing to actually close deals and make money.Also drop the "multiple markets" thing.

I work for an automotive shop and get paid flat rate so my pay fluctuates.