Those are the two extremes, obviously most businesses are somewhere in between. 

For those landlords who take security deposits in City of Chicago, is a separate business bank account sufficient for the security deposit or do I still need to set up the special landlord account that requires all W-9 paperwork from tenants etc?

People are willing to pay the high interest rate because they expect to pay off the loan quickly.If you own the home outright, you would go to a traditional bank to cash out the equity.

The owner paid $150k in 2003 and was an operating business.

STRENGTHS-  strong affordable housing market-  cool city with a great feel-  nicely mixed neighborhoods with properties in need of repair next to nice homes-  large university, robust medical community-  decent rents overall, currently trading at 8-10% cap rates-  Micron promises growthWEAKNESSES-  Micron hype is making people spend way too much on properties-  pesky code compliance inspections here too-  student housing area is incredibly compact and difficult to get in to-  difficult to predict if a property will benefit from renovation or not-  contractors are overwhelmed, difficult to get estimatesSummary: Syracuse is experiencing a lot of change right now, in a good way.

If rates did drop, that 3 year fixed period means their rate would automatically drop with it, so they wouldn't have to refinance if they didn't want to, but if they did want to (cash out refi made possible by a recession forcing more elderly people into assisted living facilities, thus driving up rents, and the value of assisted living facilities? 

They are unprofessional, with no etiquette. my poor friend, seeing her in this condition, breaks my heart. she told me she is afraid to leave the hospital in case these people try and kill her.

For the smaller investor, business owner, etc., the "surcharges" just keep adding up.

She works for her mother's business and needs to move back home.I have read that my tenant is responsible for paying the rent until a new tenant is found. 

In Europe we have a family business doing land development.