My guess is that this may have happened: we've had sub-4% mortgage rates for approx 10 yrs.

I am guessing not much.

This year was a bit topsy turvy but I guess I'm like most folks saying ok at the first of the year I will.... 

Problem with that is I don't get my money out to go on to the next deal.I'm guessing to go over to commercial and get my money out, I'm probably looking at--what?

And, I am guessing it is not a capital-hungry business when you will be reinvesting all your net income back to the business.

well I think most land contracts are universal through out the US.. its a two stage process.One default of the land contract.. then an eviction as the owner of the land contract is now a tenant at sufferance.Now I could be wrong but that would be my guess.. get the land contract foreclosed  then file for eviction.

there you go.THAT is the question... and guess what..

Not a bad deal I guess but by the numbers it’s nothing to get excited about .

They aren't trying to keep you from lending.So where to go from here.You can attempt to borrow money from someone / bring on an equity partner but you will have to redo most of your loan docs to bring that person in.You can negotiate with the company and find the reasoning behind the dollar amount (again, I am guessing it is because of the stuff I have already addressed above).You can try to look for a new company.

It's all a best guess but hopefully some guesses are educated while others aren't.