I sat in a ton of traffic in Gatlinburg earlier today, the place is so thick with tourists, LOL, you'd think there was never a slowdown.  

You might be retaining a sliver of a concept, thinking you know all, when in reality there is so much more out there.

I think they have around a dozen branches spread around our rural area, and they hold these 'commercial loans' 'in house', meaning they do NOT 'resell them' the way a Fannie, Freddie, FHA etc... is, so they have MUCH more flexibility.

The best thing about investing today is that there is so much information available, absolutely free of charge.

Mainstream investing journalism is so severely detached from actual real estate investors.Our collections have held up, and we're still able to get qualified tenants.

It is so refreshing to see your creative approach to this.

Now my question is can I offer a different amount since the home is so messed up that I can't even trade it in?

If a deal is so tight that including principle in your cash flow projections pushes you into negative cash flow it is too tight as it ism and I would pass.  

It is so you tenant doesn't get trapped in a burning building and die.

Thanks,Alon At leastIn the US, most landlords won't switch to warehouse from retail because the drop in rent psf is so drastic.