As such, the timing of an investment generating return is not so much a factor as the overall income productivity of the investment.  

If you shop around I'm sure you'll find a debt product that will meet your needs. 

Baker is mostly production with emphasis on secondary and tertiary recovery programs.

How about this food for thought - if a nation were to have a somewhat rational central bank, relatively friendly business environment, relative safety from terrorist fuelled disruption, and to become a world leader in energy production, would you want to invest there?

Waterproof means that water will not affect the product to cause swelling or worse.

@John ThedfordYou can either become a hard money lender yourself, which requires starting a company, website creation, legal assistance, program creation all to find yourself marketing a product that you have possibly little experience in, and potentially losing money for awhile . . .

I use local owned business to supply  my interior finish products - they are very competitive in pricing and have a better track record to scheduling and customer service

Is it bleach everything and replace floors, is it some kind of chemical cleaning product like SCOE 10x on the floors and walls, ... 

We are a business offering a product to a customer.  

Do you have experience with AppFolio, thoughts on that product?