Production of goods are way down.

It's implied that you're going to get a much higher quality work product going the latter route (generally speaking).  

If it was, it is still eligible for 90 day deferment and has the potential for more with investor approval.Many hotel owners and self storage investors utilize this loan products.

The loan product mentioned above allowed the investor to do one of two things: pull out 100% of the purchase price or 75% of the new appraised value, whichever is less. 

For local value add investors, I don't see any reason not to look at older product.

This is obvious - there's only an advantage to be had in refinancing for any homeowner or landlord.I was going to wait a few more weeks personally, a move that I think is validated (accidentally from a market perspective and government action I certainly did not predict) by the Fed lowering rates.For now, I'll continue to be patient and get ready to refinance when demand settles down again.

Insurance to product the building.  

Two have product priced to move, the rest are trash, they do not want more business.It's capacity.

Far too many ways to detail, but here are just a few:Fees: all kinds from what you may be charged on a checking account (a few dollars) to what IBs charge their corporate clients (tens of millions of dollars or more).Services: This includes everything from servicing your mortgage (large banks rarely, if ever hold these on their own books) to physical check processing to running the backbone of payment services that allows you to buy nearly anything anywhere with just a small piece of plastic you keep in your wallet.Money management: Whether for individual (i.e. very wealthy) clients or managed products like a mutual fund.And so, so many more ways.Will there be less income for the banks?

There are plenty of low-down payment products out there that could get you in a triplex for very little out of pocket.If you do partner, to keep things clean, you should pay market rent and then all the partners split whatever cash flow is generated.What part of Roanoke is this in?