Nothing is worse than being short on cash or having a medical emergency you need a loan to help cover and being told no even with perfect credit due to having hundreds of thousands of dollars in investment properties tying up your credit availability.

Our local economy is driven off of three main components: higher education (Texas Tech that is rapidly growing, Lubbock Christian University, and Wayland Baptist), healthcare (Covenant Hospital & University Medical Center), as well as agriculture (60% of TX cotton grown in Lubbock county, and more than 90% of Texas wine grapes grown in the High Plains AVA).

It's either employment or medical.

Medical bills for a dog attack will be much higher. 

Ensures you’re not perceived as sensitive but professional.

Buyers are definitely sensitive to interest rate movements particularly when there is low inventory.

Imagine everyone looking at your marketing is an ultra-sensitive social justice warrior just looking for a excuse.

This works OK for relatively static and simple investments like a private placement or crowdfund, but can become rather cumbersome and expensive with a more time sensitive and transaction intensive asset such as tax liens or rental property.

Hi I am in contract on my first purchase in Binghamton area, a multi family in Johnson city near medical university.I need advice!!

I would say it's worth a little sensitivity and patience.