@Massimo SalernoWelcome aboard the vibrant BP community.

@Doug BrownWelcome aboard the vibrant BP community.

@Jorge OrtegaWelcome to the vibrant BP community.

The U.S and Global Economy - the good, the bad and the ugly in Pasadena.

Nice pictures.But you need 10 more degrees of global warming to make it livable!

@Jonathan Herbert- Welcome to the vibrant BP community.So, let me try to address your call for help.My theory is that no pain results in no gain.

Overall, you want to invest in a market moving in the right direction versus stagnation or declineI like the market to have a diversified set of industries / employees - that way if one industry declines in the future or a company goes out of business or moves it doesn't depress the city (think of upstate NY when Kodak when out of business)I like purchase prices to be more reasonable and closer to $100,000 for the median property price.I like a city that has a relative high percentage of the population that rents so I know there is a large and vibrant rental pool.  

When front-page of the NYT is bad news about global instability, economic downturns, high unemployment, etc, that is on average going to be a good day to call & inquire about refinancing.Complex refinances, I generally do not lock until relatively late in the game (like, after loan approval and appraisal is back), and I present the menu then.

Glass ridge COGO capital New investor looking for references  from OTHER INVESTORS for P.M in northwest Indiana.  I dont no who to trust ? I am near Valparaiso,IN

Also, as someone else said above, it could be that they're denying you for a different reason but not telling you the right reason (it could be possible they're denying just because you have restaurants in your global financials, which banks can sometimes view as being "too risky."