So the natural timing opportunity presents itself to speak up to her, if useful or helpful.

CDs do three things: they psychologically present a barrier to 'easy' cash like a savings/checking account to cash out, even if it only takes 10 extra minutes to do; they pay better interest than savings/checking, and they CAN be cashed out within a business day or less if you need them. 

In this article, an attorney presents a template for a California Personal Guaranty...  

Better strategies for your 1031 exchangeThese strategies are presented in the order which we prefer.

Because it opens and presents MORE BUYERS for your properties that are in that $700k-$800k price point.

That is what I am learning and educating myself on presently.+ commercial lenders - do these types of loans only apply to properties that have more than 4 units?

Because this investment is out of state (I live in WA), I don't truly care where the deal is located, as long as there is population growth and rent demand in the present and future. 

Has anyone seen a page or post that gives a formula or layout for the presentation to a private lender? 

I was at the SLREIA meeting you gave a presentation at a month or so ago.

Winter is always a good time and the perception in the market makes selling tricky but opportunity more present than last few years.