Hard money rates vary significantly by region, so be sure and find local HML's and ask them, don't use a "national average" or rates from another part of the country, you can find yourself seriously underestimating.

It's a mentality thing, at least for 35+.Detroit was quite different, as both the local market & country collapsed.

One of my friends who was one of the top agents in the country drove a MBZ 2 seater, the advantage is the clients would have to drive her if they wanted to just take one car.I retired from RE brokerage 18 years ago, and today I drive a MBZ 2 seater.

Do you lend across the country?

Keep us posted on your response rate, I'm always eager to hear how this goes in different areas around the country!

No, I work around the country

But I fell in love with the country and decided to stay.

Many parts of the country have experienced 4 to 4.5% rent growth and 3% vacancy but it has been for the past 12 to 18 months.Historically looking at cycles an data that figure is not sustainable long term.

@Brian Garrett It was about 2 days after the famous , " **** hole countries " that it hit me.

Course you live on the exact opposite side of the country from me.