It's a proven cycle: make money, invest wisely, minimize taxes, and repeat.

with their reserves, their risk is very minimal (especially in multifamily asset class). 

The loan has been a game-changer, minimizing the upfront costs.

Otherwise I am in the dark.

What about some bold black/dark colored details to add contrast with the white?

I still have it somewhere in one of my deep, dark closets.

They only want the sunlight from others, but then they end up in the dark because they didn't listen.

Also need to focus on markets/communities that strike the balance of relatively low land cost, strong rental demand and include professional property management to strategically minimize vacancies and maximize rental income from day one.If you have more questions, feel free to reach out!

I was fully prepared to go to Memphis and take over the project because I was left in the dark.

For future reference, the agencies will often adjust LTV/DCR by -5% LTV / -.05x DCR for loans involving new agency borrowers with minimal experience / like size AUM / etc.