I moved to NY from Russia 7 years ago and lived in all boroughs except for State Island since then.

Anyone who really knows the law would understand that this case has nothing to do with my building, except it has a lien on it for my bond.

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There is, however, one exception to this question that was not addressed. 

But as we learned in law school, for every rule there are 11 exceptions, and 4 exceptions to each exception that prove the rule.

Most of the small vendors don’t answer email, maybe once a week, can’t manage a schedule at all, have no one answering the phone except for them when their hands are clean.

I'm sure there are some exceptions to the norm on agents but my guess would be 90% of them are just out to make the buck.

The process was pretty typical for loans I've done in the past, except I was actually asked to provide a Profit & Loss statement for the current year to date.  

I have never heard of someone getting  business loan for REI except for flips.

However, just like anywhere you are in the country, there are going to be some areas, that are simply not a favorable space (East Cleveland, Cleveland Proper (except: Tremont, Ohio City, University Circle, Gordon Square, Duck Island, Battery Park, Detroit Shoreway and a few more notable spaces)) moving on, the remaining eastern communities will give you settings featuring lower-middle-upper middle class, as well as premium upper class communities, but they do not seem to be on your radar anyway.