<g>  I agree with your point, and maybe my interpretive skills or willingness are exceptional, but I'm sure I got all her points out of what she wrote, despite that sort of 'stream-of-speech' style she used.

There are exceptions to that, but usually they are kicking the work to you.  

Greg, believe me I don't want to leave Austin for anything but I am willing to go wherever I need to go for the best resources and information that I can acquire...without exception

Going directly to banks by and large is a waste of time with the exception of possibly very small local banks.

And, of course, everyone's pet is always the exception, and besides, who has that much cash lying around to deposit anyway?

You probably can get title insurance but it would have an exception for the subject to mortgage. 

Loved it there except for the humidity.  

The basic run down for a hotel/B&B would be this...50% - 1st mortgage provided by bank30% - provided by SBA (SBA will go up to 40% but because it's a new business they add 5% & ding you for another 5% because it's a single purpose asset (hotel)).  20% - down from borrower Full Recourse for any borrower with 20%+ in equity stake The 50% bank piece term & rate are somewhat up to the bank with a few exceptions.  

That seems reasonable to use the equity line, except if the economy drops again and they call your line due.

Jacksonville, FL nails your description except for the public transit part.