Tom so you wouldn't be as concerned about that element? I

So that time element is important for me to consider. 

However, with the condos, I do know that the in/out element is very very important.

The key element is :"the intent of which is the transfer of title"in law, the intent can be the determining factor, it doesn't have to actually occur or be done in a specific manner.You can speed because you have your foot down too hard on the pedal or you can speed because you are going down hill.

@John Clark I think the viable path to a presence element is huge.

Imo, this is the critical element. I

Lastly, this loan would need to be heavily dependent on the actual property instead of my tax returns as I just quit my job a few months back to go full-time into Real Estate.Hey Wil,A lot of information to sift through, but honestly I think your toughest element is the 'at or around 8%' right now.

In light of the one ethnicity element, i sincerely advise that wherever and whoever it is, without question, know the community you are serving and understand how to establish and maintain a level of mutual respect.

And it's not just the direct tech cost itself, it's also cost's to manage and maintain them, than to defend because as tech increases capability it does same for nefarious element (ie hackers).

There is a size element. I