If you are stressed by reviews then simply don't oversell the property.

With commercial debt, I would stress test what your cash flow will look like if rates increase 1%, 2%, 3%, or more. 

Society's marketing makes people feel like we need mentors so they can take our money. 

It took longer than expected and there were a lot of stressful days but it was quite a learning experience and I'm glad we did it.

Once we move in we could save quickly because of the extra savings from the other tenants but I don't want to risk having a major cap-ex when moving in and stressing my wife out.

If after all the front loaded advisement, they still apply, then the answer is:After reviewing your application you do not meet the minimum standards and leave it at that.In our litigious society and especially in California less is better, any further conversations or statements about the matter can just be used against you later.

We wouldn't be nearly as stressed about this if we lived in Grand Rapids.

😬😬😬😬My stress level just went through the ROOF.

Without that experience it would be extremely stressful to jump into a 50-100 unit hotel.

In a fair capitalistic system, earning money for  yourself also benefits society because you are paid as a reward for the value you bring to society.