The low deferred maintenance would indicate a hold.Some of the things indicated by @Henry Clark can also be important - like moving into a different sector or geography where growth is projected to be higher.  

How, or why, should it be any different with purely private sector mortgages, since these are a legacy of the insurance industry?

Lots of good deals there, especially with all the growth in the tech sector in town. 

There is probably some good opportunity in the commercial sector in Ogden as well since it is growing, but it seems like there are lots of empty buildings and might take a few years for all those to get occupied!

The mortgage industry is shifting back to common sense lending, specially in the investor sector.

I said of course but unfortunately not in the education sector.

In short, can I also get as creative as I want (or need) in the commercial sector in the same way as it is possible in the residential side?

That’s why many investors focused on the high-tech sector buy shares in the NASDAQ-100 – an ETF with a heavy focus on tech and biotech innovators – instead of buying stock in individual companies.Minimizing real estate investment risk with diversification works the same way.

Most of us accountants work with clients worldwide.

His revitalization strategy and partnership with the private sector (Dan Gilbert, Ford, etc.) have worked better than many people's expectations so far and he also brought in great staff into the administration.