Surely, I can't combat the "well, we live in a democracy, so majority rules," but these forums are meant to garner discussion, opinions, and therefore share ideas and possibly shift that opinion that feels it unnecessary to generate rationale for imposing additional law.If 99/100 people say that the speed limit of a particular road should be 23 mph, because there's no argument against it, then SURELY we should set the speed limit at 23 mph...Yes, there are best practices: slower speeds = increased reaction times, lower damage to vehicles/persons on impact, etc., but it doesn't capture the entire picture.

Outside of these general rules and specific considerations, given that I have been focusing my attention on the Commercial space (Medical Office Buildings) and add to my holdings in this specialized area. 

You're basically going to be doing work that is paid on par of a high-level executive in a mid-sized company or a medical specialist like an open-heart surgeon. 

Thinking on focusing on medical in Roseville/ Folsom/ Sacramento area.It would be great to hear from someone in this area and what your experiencing on the ground locally. 

. - Slower than a HML, and can be much slower than an individual private lender.- More documentation than a HML, and possibly much more documentation than a private lender.- More strict lending guidelines, e.g. project type and credit scoreHML- Cost of capital can be quite a bit higher than a bank (int. rates, pts., fees), and is usually comparable with individual private lenders.- Typically quite a bit faster than a bank (though this will depend largely on the specific HML + bank. - Less documentation required.- Less stringent lending guidelines generally speaking e.g. seasoning requirementsIndividual Private Lender- Cost of capital is usually on par with that of a HML, or possibly less.- Typically faster than a HML + bank- Less documentation than a HML + bank generally speaking- High levels of subjectivity with regards to funding- Constrained by capital; a private lender is typically not going to be lending a ton of money.

We have a 2000 square foot new construction SFR (price point around $300,000) that we'd like to stage, particularly as we are coming into the slower months.

@Stephanie Cruz I have been looking at real estate invest option for assisted living too, however some of the information I foundonline seems to suggest having a back ground in medical field is more preferable for this RE venture, is this true? 

I’m also hiring a credit repair company to take my medical bills off as well. 2.

Lawyer needs to stay in his or her lane, just like sometimes LOs and Realtors need to stay in our lane and not give medical or legal advice. 5% down conventional and 50% down conventional have the exact same property standards.

I'd just as soon keep things amicable, so moving now is probably best...Extra backstory: This puts me in a bad position for a number of reasons, including mounting medical debt and lack of jobs: I just left my job due unethical upper management, and my wife can't currently work due to illness.