As the name implies, these banks invest in your local community.  

And, not going into the arguments of the past with some on BP, I'm totally in the position of the IRS and SEC as to investing compared to operating.And, there is nothing wrong with being a real estate operator, it carries pretty much the same influence as investor in my opinion. in fact, operators implies a keener sense of operations to me, they are generally well versed in various aspects of dealings where the investor-landlord may not have a clue as to obtaining a zoning change to increase the value of a property.

It would seem you are trying to simply imply this asset will sell for a 10% cap.

So there goes my cash flow. ...I don't quite get your math here, in how you calculated that increase.I will write it in math equations to show you how I arrive at my number.0.04 x value = 700 -> implies value = 700 / 0.04 = 17500So, from that new value we re-compute:0.06 x value = 0.06 x 17500 = 1050So I don't know where your 2800 number came from.

Does the implied interest rate need to be compared to state usury ceilings and such things, or is this type of commercial transaction between two entities generally exempt?

There is no short cut for experience (not implying that's what you're doing) and it's always best to start off some place where you can get out and see what's going on close to home.

What scares me sometimes are comments that could imply taking money from someone and not securing thier position as is customary for the purpose of the loan.

From what you've said and implied, it doesn't sound like it.

Are you implying i should just give up??

Variations in income for any group of half a dozen randomly selected people are almost certainly larger than the $8,600 difference implied by this data.Further, the income impact from college for US males is the greatest of any of the other data points in this survey.