But appreciation rate can vary widely from market to market depending on what state is this years flavor and what billionaire is moving some factory to where.  

If you were running an ice creme store and had a great flavor, would you tell someone else who wanted to open up a store in the same area your exact recipe for that flavor?

It's not a claim I've heard often that people have had good rapport with national banks so I'm curious if there is potential for a local flavor at branches at some of these big banks

There are so many flavors of education and I really just see these as a branch of education programs. 

Our houses that we work on are not restoration projects, but more of a bringing the original flavor back to life with some updated points.For an example, last year we worked on an amazing home with a smaller footprint (720 sq ft) but had three stories.The Craftsmanship of the word work was outstanding; just a little rough at places and 90% of it was painted.If this was our own home, we might have stripped the paint, revealed the oak, and refinished all the woodwork, making it drop dead gorgeous (We love natural wood).

For example, what flavor do I enjoy, am I allergic to chocolate, etc.Is your investment focus to flip this deal or hold for a rental?

. :-) Life is hard for most of us, just in different flavors.

LOLIf you in Vegas go to the sale its everyday in the parking lot of a title company right off the strip gives you a good flavor for huge audience  small participation.

There are several lenders out there that have a certain flavor for risk and choose to implement or guidelines to protect themselves.

@Ray Lai shhhhhh I'm trying to decide what flavor of latte to get at Starbucks right now