For those that qualify, it's not an interest rate sensitive loan, because the payoff timeline is so condensed.

If it doesn't feel good to be blown off or making jokes that you are sensitive too, then naturally your desire to continue to talk with them as frequently will decrease.

It's also the most expensive, time-sensitive money you can borrow.  

If there's a hole, it may be a red flag.b) sensitivity analysis: I examine all the assumptions, and make sure I can live with the worst case scenarios.c) "Stall and see": if they are getting money over multiple years, and there is no penalty for investing later, I would usually wait so I get some real performance data, versus having to look at theoretical pro forma information.d) Recession stress test: I will not invest in anything, until I subject it to recession level stress and see if I can live with the result.

So, generally, if you're not time sensitive, a financed offer will end up being the strongest.

I keep my LTV at 50-65% of the purchase price or BPO value, and even then I feel safe, but I also have several other safeguards in place, or I wouldn't lend my money.

Why not lease and deduct the lease while taxing rather than fiddling with the sensitive subject “Depreciation” ?

:@James Wise in fact a quick search gives this for Cleveland (no wonder you're so sensitive about it, but the authorities do act!)

Some folks are more valuable as "team members" than others and everyone has their own business model and we must be sensitive to that. 

-Equities: Heavy EM/Commodities/Tech/Growth-Cryptocurrency: ETH/BTC/LINK/AAVE/DOT/SOL - network effects / illiquid markets sensitive to future institutional flows.