In this case, the defendants are contending that they were entitled to take advantage of this law because a Delaware state bank served as the lending partner when making loans to Pennsylvania customers.Kane and the firm Langer Grogan & Diver called this a “rent-a-bank scheme” and countered that it goes against state law, which does not allow for interest rates as high as those charged by the defendants.Kane also alleged that the defendants engaged in a rent-a-tribe scheme, in which they also partnered with Native American tribes to offer loans at rates permitted by tribal law.

You just have to keep working hard. I

But we have native trout in the mountains and stocked trout in the dam fed tail waters.

I am a Los Angeles native and always happy to be a resource.

@Joshua Hardy, several people have responded and gave you their opinion. 

Also, being a San Francisco native $10 billion won't allow you to buy all the multifamily here, only a few choice properties. 

I'm in pretty much the exact same situation as you (I'm even a night owl no matter how hard I try not to be) and mange to fit in W2, investing/business time, education, family time and social time.

You shouldn't be required to speak their native tongue.

I am a native Clevelander so feel free to DM me if you want any more info on the Cleveland market. 

My name is Sherman Kaopua, I’m a Hilo, Hawaii native but now residing in Tricities, WA and I’be been on BP for a while just learning and going through forums, and now I’ve got my first deal!