A key question you as an investor should have are what safety controls are in place for my investment. We look at 65% loan to value, giving a minimum of 35% protective equity above the loan, based on current market value. We check borrower background history and credit scores, while that information does not deter us from a loan, we like to know who we are married to for the next 12 months. We hand pick our appraisers and work with experienced commercial real estate brokers that have bought in sold in areas so they know the demand and we research the fire sale value is, if you have to move a property in 30 days what is the value you should expect.