Someone that realizes this is a long term relationship.

I didn't realize some helocs have the ability to convert to a fixed rate so thank you!

I realized the there was some opportunity at the time, but struggled with raising capital.

I realized I have my credit frozen anyways, so once they get to processing the applications, they will need me to unfreeze it anyways. 

I know when I posted this question 3 weeks ago 75% or more of the responders were of the mind if their tenants don't pay its not their problem.. they are running a business not a charity etc etc.. well I guess we will see how it all play outs. what I am coming to realize is that a lot of landlords that are worried about paying their own bills  APPEAR to maybe not have taken the advice of many and have proper reserves that you dip into during this type of situation. 

Over the last year I’ve come to the realization that I need to create more time for myself and my family.

In the medium term I think this is going to be worse for the mortgage market than some people seem to realize.

I've already come to realize that a contractor isn't going to waste that time without certain assurances.

I realize this will very likely require more than 1 appraiser, as the appraiser would have to somewhat know the subject area to perform a desktop appraisal. 

If you haven’t realized it yet we are headed for a recession.