I’m sorry, but is this what sophisticated lenders use to base their decisions?

On the other hand, lower interest rates could account for some of the difficulty in obtaining loans in the first place.Just thinking out loud as I don't really understand with much depth the more sophisticated and higher level operations of finance and economy.

I suppose the bottom line is that if you want to get the most money for your property, which may very well come from a less sophisticated buyer, you'll have to put up with the quirks that those less sophisticated buyers may bring.

They've become more sophisticated with it now.

The problem I am running into is the owners are close to 70 (ready to retire, this is why it is for sale) and they have not been keeping very good records and are not very sophisticated.

I didn't have the guts or the sophistication to start with $2.5M projects.  

I spoke to this gentlemen for over 90 mins and found him to be quite the sophisticated investor at 75 years old.

However, the truth is that once you become sophisticated enough in the field, you will move at an exponentially faster rate.

My family owns a construction company with heavy machinery and equipment; our business works mainly as a contractor of public infrastructure (highways, bridges, ports, sewages, etc) for government, with some private work as warehouses, schools, and so on.We want to take advantage of our long time expertise in construction and machinery to expand to real estate development, as we think (not sure) that might be of some value to the table. 

Can some more experienced and sophisticated persons tell me if there are circumstances under which it might be a net gain to quit my state job earlier?