f you see a pattern with the same appraisers coming in low you might want to get on their good side.

I got into this pattern where I would say, "If I'm doing this, I might as well do that"  Grew and grew. 

When you get old enough, you begin to notice a recurring pattern with certain things.  

Pattern I noticed is that many of such folks simply didn’t want to deal with minor things and wanted to only work with major things, while outsourcing minor things to property management company.Note situation with Smokey and other tenant is somewhat complex, have you tried pushing on weak links of the tenant?

Most lenders will have talk to you recently are in a holding pattern until at least next week.

Once you find someone that "clicks" with you and your business model, they would be a good fit to learn and pattern after. 

I can tell you from my limited experience in managing student housing, here is what I've seen be the pattern. 1st, we always had parents co-sign.

I’m a little confused by the fact pattern as well so please clarify as noted by @Wendy Patton. 

If you take it in 22, fact pattern likely shows a PAL carryover.

Have you observed runoff patterns while it is pouring down rain?