@Jordan Laney Asking what others pay for snow removal and comparing your yearly spend to past years is not productive.

Thanks What loan product are you shopping for?

The 2008 timeframe was different and in situations a lot harder than now, but this market will shape a lot of investors that found their new market, product to focus on, and/or to dive in deeper when times get tough.   

I would confirm by seeing the product then going out and checking comparables in that market that have sold. 

Quote from @Jaycee Greene: Quote from @Malcolm Grundy: Investment Info:Single-family residence buy & hold investment in Saint Louis.

Quote from @Jaycee Greene: Hey @James Jones, welcome to the BP Forum!

If a person benefits from a product they sell it’s only natural if they promote what is perceived as a benefit even if the quoted benefits are not automatic or even a given. 

Quote from @Jaycee Greene: I have a client in Kansas City, MO that had to make the EXACT same decision a couple of years ago.

Quote from @Jaycee Greene: Quote from @Diandre Pierce: Quote from @Trevor Finn: Hi @Diandre Pierce,That’s awesome you’re looking to scale into a mobile home park!

@Sang Kim- thanks for clarifying you are trying to get a commercial loan ...this is a  completely different product than a home loan ...You still should be able to  locate and obtain a good commercial loan  without  having to pay any fees upfront  ( other than possibly paying for the appraisal after the  loan has been  approved )