On both occasions it was normal to meet naysayers who pretended like they knew it all and could not see opportunity in the crisis.

Do not pretend that you know their situation, no matter how close you are to them.

Let us pretend for a moment that you call me and ask to see a property.

Remember, they've never paid you late, and you can pretend like you don't know anything about their late payments (a polite fiction, to save them embarrassment)."

Heck, you could rent to a non-disabled person who burns the place down after smoking pot against the rules in your unit LOL.Just pretend she can see and treat her like that.  

Pretend it's a listing or something.Not sure why you have no money, but my last couple seller financed deals have been at 90% of PP at 6% for 24 yr straight am.  

And if you're seriously not sure, pretend your best friend who is a new landlord asked you this question.  

Well, pretend you didn't know and put it in your contract anyway, and if a tenant complains you can say, "Huh.  

I won't pretend to be the authority on lending,but it's my understanding that once you're in a commercial lender's office, they can evaluate the value of the property however they want since they hold the loan and don't answer to anyone but themselves.I'm not saying I'm definitely that I'm right in that, nor am I saying that typically it's as you say.

I just advise that you pretend that someone you dearly loved just died and how would you want to be approached?