Suppressing information through criticism is called fascism.You made the decision to give them your first, or first and second, deal's profits.

In reality, large(r) banks, CMBS, agency programs, and life companies, really don't have an appetite for small(er) loans. 

:wink: ) Marijuana, actually suppresses your apatite... ...

Rubio Discusses Possible UN Regulation of Internet GovernanceWith leadership from regimes that suppress their populations, the UN is the last body that we want to have authority over the free flow of information.

Silver on the other hand has been suppressed so much that it may rise all the way to a 20:1 ratio to gold before correcting a bit.

They are two very different animals; both defined by their risk appetites an where they are in the life cycle.If you looked hard enough in California you might find some properties that compete with the less pricier states, but as every investor knows CA real estate is mostly more expensive, and the returns poorer.

For a long term investor, the property is refinanced to the market rate depending on the term of the loan with the appropriate LTV to keep in line with the bank's underwriting guidelines and risk appetite. 

Perhaps we live in completely different markets and have a different appetite for risk. 12k is investable in Wichita, KS, even if it takes you down to your last dime.

Don’t let someone else’s risk appetite dictate your decision - let the numbers.

It all depends on our human appetite for risk and our appetite for fun.