Financing-  build a relationship with a regional banker, don’t shop for interest rates, start small and build history and loyalty they are your team, Cross collateralize, deposit CD/MM or custodial account with bank for loan, give them monthly updates, nail your deal analysis, do stress tests on your deal analysis-cost/interest rate/deal length/ sale price etc. 12.  

Thailand in November), it's best to find the award availability when it first comes out as it almost always goes up with people grabbing the discounted awards early.  

Whereas the majority of the existing clients have stayed with you, but the whale client is with the ex-partner leads me to believe that if this heads to any type of judicial setting that no damages would be awarded.

What your mentioning about their awards and reviews tell me is that they're great business operators, which is great for your investment.

If they would open it up to dealing directly with the bankers, the speed of the recovery would pick up steam very rapidly.

This reminds me of the story of a wall-street banker convincing a fisherman who already has time for his friends / family to instead scale his fisherman business(get employees, integrate, then sell the business) all of which will lead him to be able to spend time with his friends and family.It already sounds like you have a great life - spending time wth family and in great health.Having additional money doesn't sounds like it would improve your life that much.

Maybe they should have been the ones awarded the executive suites with private bathrooms :)

Ben,First from a Bankers point of view you are over extended from an LOC perspective and its hurting your DTI and future approvals. 

Buying cash flowing notes is certainly a lot easier :) Well by the same token you can get awarded child support from a dead beat, doesn't mean you're getting any money out of it.  

Now that I have paid them all off and ONLY have my one home mortgage I actually saw my first 800 score when i dropped a big commercial loan I had my banker send me the report.