And yes, all the Western governments are converging toward the exact same system that China is moving toward at an alarming rate, with "public-private partnerships" becoming rackets where the commercial sector and the government present a united front to squeeze the life out of people who are not connected to the oligarch class. 

There is a ton of tech & life sciences that are making their way here because of the tens of thousands of jobs in these sectors we're creating over the next decade.

Building tilt-ups is expensive even for the private sector....then you throw in the government and their unions and prevailing wage and this is billions and billions of dollars...... 

The hotel sector has a strong force over them. 

After crunching the numbers, everything looks perfect.My real estate broker however just came back to me with some news: the zoning of the sector only allows the construction of one of the 2 buildings on that land. 

Changing sector is a very valid reason. 

The entire commercial/private/non-qm sector doesn't require income docs.

It's usually easier to qualify for commercial, so if a bank approved you, I'd say there's a strong chance.Rates are usually higher in the commercial sector.

Employment sectors for Sacramento are founded in government sector employees and are very stable; in addition, a number of large businesses have moved into the area. 

The sector is averaging mid to high 4's currently.They don't require income docs, so no dti concerns.