One of the most unique aspects of today's RE market is class distinction between the experienced an inexperienced due to the fact that the market has turned downward and caused margins to thin.

We were eager to meet and talk to everyone, we had no class distinctions, intellectual classifications, or fear of rejection.

This is even more disheartening as the "echo boomer" generation, those born after 1986, is the largest generation in our history to reach its 20s, peak household formation years.

Frances, Armstrong is one of the largest manufaturers of Acoustical Ceiling Tiles, You may want to Contact a local Lumber Yard, or someone who carries commercial building products,for example (Kamco, or Mar-Jam,) depending on the area and bring them a sample and they should be able to order it, if its not in stock, dont waste your time with home depot, they only carry a couple of selectionswww.armstrong.com/residential-ceilingsChris

I find my favorite commercial buildings, or (if you're geared towards residential, then find the largest residential investor in your area) and set up a meeting with the owner/investor.

Learn from IKEA:   Focus on hitting the largest section of the market.  

FYI: For retail banks and credit unions, the mortgage division is always distinct from the retail banking side of things.

My understanding is there is an accepted formula where-by they determine the unit value of the largest available replacement tree, and then multiply by the number of units of the removed tree, and then any adjustment values for location, breed and such.I will ask the tenant to grab a leaf and an acorn for species identification purposes.

Right now, the cost of the mortgage, which is a HML at 12% with 3.5pts, is the largest holding cost I have. 

Legally, there is a big distinction.