., the destruction threshold); which Property characteristics the destruction threshold percentage applies to, such as market value, assessed value, replacement cost, or unit count; for Properties with multiple buildings, if the destruction threshold percentage applies to each building, or all buildings as a whole; the replacement cost to rebuild per current requirements for zoning, and land use; the Property’s continued marketability, and economic viability; the amount and type of Borrower-maintained insurance coverage required per Part II, Chapter 5: Property and Liability Insurance, Section 501.02C: Ordinance or Law Insurance; insurance loss proceeds payout, compared to increased rebuilding costs, including from building code changes, Americans with Disabilities Act compliance, and the municipality's local zoning requirements (e.g., green compliance for new buildings, etc.); the sufficiency of estimated insurance proceeds from ordinance or law insurance and other coverages to repay the Mortgage Loan in the event of partial or full casualty, or condemnation; and for a Tier 3 or Tier 4 Mortgage Loan, if requiring execution of the Limited Payment Guaranty (Form 6020.LPG) would mitigate the risk of the as-rebuilt Property not supporting a Tier 2 Mortgage Loan.

I saw an episode of American Greed this weekend, regarding a company called Remington Financial Group that charged an up-front fee to entrepreneurs in exchange for helping them find funding for their ventures.  

I recently got an Advent Calendar, 24 days or Bourbon and American Whiskey.  

I've had a property insured with American Modern for a number of years. 

AAPL has been trying to stop using the word hard money because it has a negative connotation and move everything over to private lending.But Ned is right, I had always viewed it the way he has as well, but as a lender I have no friends, so I guess them I am allowed to use it interchangeably.The Demise of “Hard Money” in a Private Lending World | American Association of Private Lenders (aaplonline.com)

From my 6 years of living in USA, my observation, I have realized that in American norms, parents' well-being in not their kids' responsibility.

Quote from @John Canwell: Last point - Americans need to start being minimalists.  

Panama City has had huge growth and is now nicknamed the Miami of Latin America and, frankly, its skyline puts Miami's to shame.

I know that you, like the rest of us, really want to have that American Dream for our families.

I would encourage folks to watch the American greed episode on Remington financial.. little different they took due diligence fee's  this company is taking money to bird dog deals for them. but it was proven that in almost 20 years Remington funded less than 12 deals and they took in 5k to 10k per client. made millions. this I see is somewhat of a parallel offer to fund the deals make the bar so high that no one ESPECIALLY a newbie can get over the bar..