I would think the local lenders would be more generous given their layers of risk would be better there given the market.The lenders must be making a killing on the spread then if they're getting those rates AND a point.  

(Below is a list of phone numbers forMembers of the Assembly representing the Southland)http://findyourrep.legislature.ca.gov----------------------------------------------------------------------------------------------------------------------Why we are OPPOSED to AB 2819 and request a NO VOTE:Under California's unlawful detainer (UD) "masking" law," UD court filings are hidden from public view for 60 days following the initial court filing, and then are unmasked.

It is just a layer of protection so you don't have flakers..

How many existing layers to be removed?

Oh yes, we get a lot of sites masking behind different software for some reason, but you should be more concerned when their offer is just too good to be true.

If managed correctly they can add additional layers between the different areas of potential liability.

The routers we use are capable of both layer 2 & 3 segregation and we provide each unit with its own isolated network segment.802.11 (WiFi) becomes problematic as the size of the building grows:  if you have 6-tenants, each with their own personal WiFi network the interference is tolerable, but once you scale to a 20+ units the tenants access points will be fighting with each other and there will be a lot of RF noise.

We took out wood paneling on the walls that had 3 layers of smoke infused wall paper beneath it (really should have just ripped out the drywall...).  

IBC's work great for an added layer of asset protection and can certainly hold corporations that own a piece of property.

Basically, the less interaction with the investments, the better.A Checkbook IRA LLC or Solo 401k will put you directly in control of the funds and eliminate the 3rd party layer.