Seeing as it is usually about 20 degrees and the lake is frozen I kinda think that is off. 

It may not be indicative of their capitalization (albeit it is an indicator of their capital partners cost of capital to a degree), but there are numerous lenders still offering less than 2 or 2.5 points on DSCR loans out there, so it’s worth shopping around for borrowers.

We've had bookkeeping clients with complicated structures that apparently protected them to the maximum degree but they didn't abide by the structure when conducting transactions in their business daily (lots of unintentional commingling).

In or around 1961Nickerson had tried to capitalize on the success of his book by promoting seminars, but to a large degree was not very successful.  

In short the investments that are 'tough' to make the numbers work, will become much more investable to the degree they might no longer be available.

Land trusts aren't really for protection, but anonymity and then the LLC provides the protection (to some degree, depending on what happens).

So if we lose power, the house doesn't drop into freezing temps for at least 2 days from a 60 degree set point.If you see a bunch of outages each year, then looking at a propane generator install would be a good idea.

Someone that works in aerospace told me that there won't be that problem in San Diego county with ocean water temps less than 70 degrees? 

And that's even though I have a Bachelor's Degree.

A little about my situation: I am a 33-year-old single mom who has finally gotten her finances in order after getting my Bachelor’s degree in 2022 which allowed me to get a high-paying job with great benefits (401K + matching).