In Memphis, we are a year or two behind in design compared to markets like California or NYC so if things are changing here on the high end, it will start dwindling down to the mid to low end across the country. 

Have you compared to other similar properties in the area?

Let's compare APPLES TO APPLES as I suggested.  

So you can't really compare how you do things in a regular job, because landlording is not the same as a typical job that we consider to be normal. 

Would love to compare notes!

Yuma seems to have nearly zero focused real estate investors compared to other markets.

After running your own numbers it would be great to post those here and compare for a learning experience.

It lets you look at current rentals that are available and had their amenities as well so you can tell how they compare to what you are offering.Good luck!

I will go back when I need an attorney.I have only used him once so I don't have much to compare him with. 

While we can technically get away with the thinking of having less restrictions, requiring more security, making demands such as life insurance being pledged on a key person as a borrower, drill down to the assumptions in commercial that allow greater leeway.A more sophisticated borrower, conducting business with a purpose to make a profit as compared to an unsophisticated borrower attempting to secure personal needs, such as housing.However, never think that "predatory dealing" or "predatory lending" or violations of fair trade, or what is customary for the size and scope of a transaction can be swept under the rug.