I can't believe I last posted on Monday - time flies doesn't it.  Sitting tight on the small deals at the moment.  An agent in North Carolina gave me some info about being hard not being USA citizen which I expected.  And I've researched recent sales in the Concord area and there isnt much.  This suggests to me that the market there is really stressed (I had another agent tell me it was), and that people just aren't buying which makes me think they will go down even further. On my big deal I applied to 6 commercial lenders have had one no so far so wait and see there.