I analyze mostly MF assets on a daily basis as well as a MF development deals. 

The Ybor City area located just outside of downtown is developing area which brings tourist, cruiseline guest, music groups and artist nationwide.

We will see.I wouldn't factor asking in at all.

Hello Scott,Your debt to income is not factored into approval when it comes to hard money lending.

Sounds like some bad ROI or there is a lot of deferred maintenance you're factoring into the equation. 

So, you have a few options:Take on substantially more challenging projects, both in size/scopeTake on projects that involve a different asset classDeal with challenges related to different geography (I'd think you'd want to move 'up' market)These are the things that you can do one or more of - you may want to think about your options and be realistic too about your capabilities.There's a lot of people doing a lot of different things on these forums, but the above gets you moving 'up' the value chain with regards to developing capabilities, and working towards furthering your 'build' skill-set.All this said, I have a friend that operates in a smaller market in Iowa that's probably a bit closer to what you are doing. 

I would argue that "risk tolerance" isn't much of a factor because you don't have to cash out all of the equity.

,I've seen a lot of turds, and people purposely crapping in the toilet when the water is shut off so it smells.. but outside the house.. wow... just wow...the smear marks are the real gross factor...

Does it take 3,4 or more factors to predict a crash. 

Lol**************************************************************************************Fresh Reports Of Real Estate Rage Signal Turn In Chinese Housing Market by Tyler Durden Mon, 10/01/2018 The developer had slashed prices by one-third and homebuyers who purchased days or weeks responded by smashing up the sales office.According to public information, Beijing, Shanghai, Nanjing, Ningbo and other places have continued to reduce prices and defend their rights.