Development of more consumer friendly commercial locations like: attractions, restaurants, quick bite places, bars, etcA couple years later today I am still noticing the same trend in my City.

You must document the use of the money to prevent a claim that you made a consumer-purpose loan.

Certainly didn't make it's way into the hands of any consumers that's for sure.

This negative position can consume years of cash flow to recover.

Early on I replied on various contractors (unsuccessfully) due to my (then) full time, very time consuming job.

Early on I replied on various contractors (unsuccessfully) due to my (then) full time, very time consuming job.

In some places, creating an LLC is time consuming and expensive.

There are all kinds of potential bad outcomes of this for sellers.Most businesses and consumers should be striving for efficiency and transparency. 

Like Chris, I'm not brave enough to buy a consumer loan in Chicago.

Then you have price improvements of .110 and .050 for total of 4.965% in LLPAs.This means that the rate has to pay enough to cover the LLPAs plus whatever the lender is trying to make.In case like this, where the LLPA hits exceed what the rate pays, that difference is charged to the consumer.