Prepayments cannot be seen as a profit motive, that becomes predatory, the penalty is to reflect the costs associated with making the loan, setting up servicing and be indemnified under any servicing contract, it's not a profit center nor should the be used to tie the hands of a business borrower.

However, reflecting back on that, I wish I would have done more due diligence on the people involved.  

The main reason for me changing my outlook on investing: I got to a point where I couldn't get any more money which allowed me to reflect on my goals, of financial freedom.

Occasionally I reflect on my goals, "sub-goals" and paths that lead to accomplishing them.

Eventually, given time, words of wisdom and truth will have an effect.There can be considerable cost to speaking up, as is reflected in the Bill’s statement that speaking to the tenant could be, “damaging your relationship with the tenant.

These expenses need to be factored in to your numbers even if they are not reflected on the seller's P&L.  

The commercial developers are all building Class A rental properties which that market is close to being overbuilt I believe and has the potential for saturation.As for my exit strategy, with these I am really building these for my own portfolio and as a template to do this in a few other areas of Houston I have identified where this should work.My construction costs are based on current market & trade prices for rental grade but as you said, these are all subject to market conditions and these numbers do not reflect a 10-12% contingency I add to the budget when doing new construction but I try and identify as best as I can a true to dollar, cost per sq. foot minus all fluff.

And the presentation to me feels a bit plastic.I would absolutely use some images that actively reflect what you are saying.  

Cannabis will grow in lower humidity than "ideal" so just tell your tenants that they cannot raise the humidity because there is a real danger of mold.  

I'm a very positive person with an laid back attitude and I hope this forum will reflect that.