I also have found after being in the RE world for a bit, it's not all roses, champagne, and unicorns. 

Lol, I bet you were having some Tennessee Champagne as Blackberry Smoke calls it... :-) Hahaha, I'm actually much more of a wine guy than whiskey or spirits.

When markets change they have a massive nut to pay and start bleeding cash to stay afloat.I see this with large commercial brokerages when cycle sales is hot the champagne is flowing and companies can't hire on people fast enough then downturn happens and they have to merge with other companies to survive or go out of business all together. 

Champagne on a beer budget. 

(and pop some champagne)

95% of that site is travel nurses and they ALL seem to have a water budget but champagne taste.

Remember, make your amenity the champagne to their caviar, and show it off with style.

Your mortgage is neither inter-bank, nor is it short term.Anyone claiming to be able to predict the future of mortgage rates with >60% accuracy, you should ask them why they aren't on Wall Street sipping champagne with Warren Buffett and netting one billion dollars per year.

.), while sipping champagne and making a HARD MONEY pitch. 

Don't pop the champagne yet - because the sale is still subject to bank approval, and...2.