@Harry Morrison, I don't know how I missed this, sorry about that and thanks for the compliment.

@Theresa Harris good point.

@Theresa Harris I will suggest that on Monday.

Theresa Harris you are correct!

Thanks @Andrew Pope and @Theresa Harris Can you please provide me with a couple of sentences that I can go back to him with?

NO lender who has overhead and such can survive on 1k or 1500 a file .. unless of course its their own money and they are just one man band. 

We have noticed banks are eager to have businesses that need mortgages, lines of credit, ect to survive and grow - but small operations that only need basic banking services are less desirable as customers. 

The lower the break-even occupancy, the more likely the building is to survive times when tenants are not paying rent or are hard to come by.Preferred ReturnsThis means that investors must receive a certain minimum return on their investment before the sponsor gets paid.

Is anyone else struggling with the time the city of Houston is taking to process permits? 

@Theresa Harris, Thanks for your response.