-Prepayment penalty for first 5 years (5% of principal balance in year one down to 1% in year 5)-Checking account with bank offering note, avg daily balance of $10k-Annual review of my Global Debt Service Coverage (GDSC) & Standalone debt-service-Rates are around 5.5% (FHLB +3.5), readjusting every 4yrsThe GDSC seems to state that if my income drops, they could call the note, which doesn't seem very sporting of them.

It s really interesting how current global trends would affect US RE market

Here's a photo posted on Twitter of a meetup of BiggerPockets members in Seoul, Korea . . . very cool!

Anything above four units requires 25% down, shorter loan terms (typically) and more emphasis on the property and the experience of the buyer in terms of real estate investing.

(Emphasis is mine.)

So yes, the LLC's global cash-flow is more important.On personal guarantee, if you don't have a relationship with the bank, yup, they expect a personal guarantee.

@Kris BensonUpcoming events for Q4 include: SIOR World Conferences - October 11-13 in Denver, CO:SIOR (Society of Industrial and Office Realtors) hosts a bi-annual conference that connects top brokers, agents and professionals in commercial real estate for three days of relationship-building, educational workshops (redeemable for real estate continuing education credit in some states), and social opportunities.CORENet Global Summit - October 14-17 in Boston, MA: CORENet Global Summit attracts over 2,000 attendees from the corporate real estate sector and features over 200 speakers and 100 breakout educational sessions, providing ample opportunities to network and expand your industry knowledge.NAIOP CRE.Converge - October 15-17 in Washington, DC: Organized by NAIOP (National Association for Industrial and Office Parks), CRE.Converge is attended by over 1,500 commercial real estate professionals and provides engaging programming from industry leaders.Private Equity Real Estate Forum - October 23 in Napa Valley, CA: The Private Equity Real Estate Forum will host workshops covering a range of topics, including the rise of commercial real estate debt and the effect of ‘Trumponomics’ on commercial real estate investment.NAR Realtors Conference & ExpoNAR - November 2-5 in Boston, MA: (National Association of Realtors) is the largest trade organization in the U.S., boasting a membership of over 1.3 million professionals involved in commercial and residential real estate.

I'm looking to add a bigger emphasis on real estate investing on the podcast. 

Big-league lenders have also started to seek profits in the flip-loan marketplace, with global investment firm KKR & Co.

If they lose we may see systemic failure of our entire banking system and the fallout will take-out the entire global economy...