The important points often glossed over are (1) is the buyer providing their personal guarantee to the seller for the note (2) is the seller maintaining a wrap position so they can foreclose in the event of default and gain ownership (3) is the buyer putting up additional collateral (4) how large is the down payment (5) what is the LTV (6) is this a personal residence for the seller or investment property (7) will the property cash flow and if so what will the cash flow be (8) is the property in a increasing, declining, or stabilized area (9) is the property being sold at market value, or above market value because of the low interest rate of the existing mortgage and (10) how experienced and what is the track record of the buyer, and is the buyer purchasing a property for investment or to live in or otherwise use.  

Lately, my lead flow has struggled (CTR-ALL has been declining and CPL has been significantly increasing). 

Tenant risk is lease term remaining, sales/billings from the location, overall financial health of the tenant (i.e. solo practitioner with this one center as their sole source of income and declining billings, will not likely keep the property well maintained, and when they move out, you will have work to do), need for this use and/or competitive urgent cares in area, etc. 

-Townhome/condominium sales continued to decline, falling 23.0 percent, with the median price up 7.1 percent to $240,990, and the average price rose 10.9 percent to $290,048.

These costly improvements are pushing rents up.While effective rents (factoring in concessions) may be declining, asking rents remain high as landlords aim to maintain their property value.

Quote from @David Kanarek: "Three Strikes and You're Out"I gave you three chances to demonstrate a moral/ethical clarity publicly and you declined all three times. 

Johnny, I know exactly which lender your working with.I am going to tell you, there are better options.Look around a bit, That prepay is 5% fixed for 3 years.I wouldn't pay 22k to buy a rate down in a decreasing rate environment.A 7.75% on a 3,2,1 declining prepayment is a better bet. 

Due to the sharp spike in interest rates, buyer activity has declined.

As average incomes decline, city revenues fall.

Some offer declining prepayment penalties (e.g., a 5-4-3-2-1 structure) where the penalty decreases each year, and others waive penalties after a certain number of years.