For example, doesn’t the appraisers’ valuing set the stage for what the lenders will lend?

Commit to yourself and your daughter's future.

We started talking to BB&T (which is a great bank to work with if you're a small business). 

But what I'm pondering is what about you poor guys in the middle who can take a calculated risk and even if the s**t hits the fan you can ride it out long enough to break even or get a profit.

Fear. lack of action and commitment.

I do not commit fraud or BS as you refer to in the above post.  

@JR T Of course, I would hire a securities lawyer. 

Originally posted by @JR T.

The energy and commitment you have is really inspiring sir.  

One advantage is those individuals can commit to long term plans say 10, 15 years and longer, even 50 without needing access to the money.