I was had stronger goals, loftier goals.

Wait overnight, cut off the stick-out and it is actually stronger than new...

Plus, you'll want to consider how many months of positive cash flow would it take to recoup the extra down payment funds. 40% is a LOT of cash to tie up if you're only making a few hundred bucks a month. 

for my family they were all able to mentally start moving on and for my father he is still emotionally tied to the business but it was the best thing for him as it was a huge drain on him and his resources.

But there's one more thing--this should be coupled with an interest rate forecast that ties to the borrowing rate so that there is true variability in the underwritten rate--not just assuming that the index remains flat for the life of the loan.

This way you’re not tying up capital needed for other areas of your business.Are you currently utilizing your rooftop to generate monthly income?

All real estate is local and tying to make national averages work in specific neighborhoods is stretching statics beyond what even Einstein would attempt. 

The individual loans are each tied to single investment properties with decent equity.

Maybe tie to cut the loss and move to a completely new contractor.   

Try not to tie-in substantial lessee improvements with the option exercise. 5.