And with all the rain that Ocala gets, the lawn is green and the shrubs are kept trimmed by my lawn guy who sends me pictures after he cuts every week. 

I ran a lawn service for 7 years with 172 accounts weekly. 

In the end it didn't really matter because they are so busy they stopped taking new refi until an unset date.Also right now due to demand and uncertainty in the market it appears that the rates are artificially higher than they should be with the lenders that are still doing Refi , despite how well your finances are.  

Think of all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.

Think of all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.

If you are asking them to take care of a lawn it's reasonable to make sure they have a mower.

Think of all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.

(mortgage and taxes in the mortgage field using the provided data) (vacancy could be reduced with more information)COCROI would be 0.168% with 100k capital tied up Cash Flow Income Expenses Fair Market Rent 3600 Storage 0 Cap-Ex 0 /Month Mortgage 2896 /Month Taxes 0 /Month Insurance 150 /Month Flood Insurance 0 Vacancy 360 10% of income Repairs 180 5% 5-15% of income Water 0 Renter Utilities 0 Renter HOA 0 Snow/Lawn 0 Renter Property Management 0 0% of income Total Income: 3600 Total Expenses: 3586 Cash Flow: 14

(you may note a slight bit of irritation in my tone on this point) Other expenses you may have to consider are lawn maintenance fees, snow removal fees and the expenses for providing a dumpster for the building.

Have you accepted the fact that there are going to be plenty of lean years where you artificially constrain your spending to pump more money into your business?