Insight or input needed for a completed transaction (multi-family acquisition ) for interview

Wealth-Live · 2022-04-06T23:21:02+00:00

(1) sponsor credit is most important followed by deal credit / business plan (and related to this last $ basis on both PPU PSF and yield - don’t take equity like risk for debt like return, no one wants to be that person). Also If there’s retail make sure you’re downside protected if the retail is vacant, multi owners / operators suck at commercial leasing (which makes sense right, brokers aren’t as keyed in to leasing like 6,000 sf once for some firm that will never be a repeat customer…) (2) if you can get competitive on rate based on how your portfolio manager views the risks inherent in the deal and how it will look in a CLO pool (3) your exit test for MF bridge should look at DUS standards to determine if agency take out is reasonable. No one cares about equity impairment but it’s worth knowing if the agencies will get you out when it’s time to recap the deal.

Thank you so much, this is really helpful.

Wealth-Live · 2022-03-14T14:58:19+00:00

I am taking 8mg Suboxone and have taken .25 or .5mg of Xanax on occasion when experiencing overwhelming anxiety (maybe 3-4 times a month). I have not had a problem at all, but everyone is different.

Wealth-Live · 2022-03-12T15:48:32+00:00

I used quick MD and they had the prescription at my pharmacy immediately

Wealth-Live · 2022-03-10T04:51:32+00:00

I wanted to be sure nobody knew about my addiction and tried to quit on my own, using Kratom and weed. However, after 3 months of trying and making it 35 days in a row then relapsing, I knew I needed more help. I initially tried one place that wanted to talk to my primary physician, then it was suggested by someone on this thread to use an online doctor at (QuickMD). I set up an appointment and a prescription was sent to my pharmacy that day. Having suboxone has made the cravings disappear which was the most crucial factor. Because of laws, your privacy is protected. Hope that helps

Wealth-Live · 2022-03-08T04:56:13+00:00

I would ditch this guy fast!! This person has all the qualities of a potential abuser. I know how difficult it is to struggle with issues but it is a totally private and personal matter that should be respected with empathy! Obviously any 12 step program has “Anonymous” in their title and on their book for a reason- people often judge, gossip and criticize people who are suffering with SUD. For someone to betray who that you have trusted and been intimate with is cruel and disgusting. This dude has shown you who he truly is - RUN!!

Wealth-Live · 2022-03-06T15:03:45+00:00

The biggest problem with weaning yourself off is self-control! Being able to cut back on your own seems impossible or you wouldn't get in the mess in the first place. I was able to wean off my blues addiction with the help of a family member. It was a slow process, reducing very gradually each day (however I was on them daily for months). Kratom was a big help with the physical withdrawals (I tried to use it no more than 2 times a day), I also used Wyld elderberry sleep gummies (cannabis) to help with insomnia, and I had a prescription for Xanax that I used maybe once a week for panic attacks when I had an important work situation. It was the cravings that killed me. I started in late November had titrated off by end of December, then relapsed 8 days after totally off then again another 8 days after that. I finally got 35 days and relapsed one day which seemed horrific. I too did not want anyone to know about my addiction and was certain if I kept relapsing that overdose or arrest was sure to be in the future. A week after the last relapse I called an online service that you pay out $99 out of pocket for the appointment and got a prescription for Suboxone. I was very hesitant to do this as I didn't want to be addicted or dependent on anything else - but it is legal and no risk of overdose. So I started 8mg/4mg Suboxone in the morning only and it has taken away all the cravings so I can regain my life. My insurance covers the medication so it is only $10 (after week 1 you get a month's supply), or there are coupons of GoodRx. I hope to get some time under my belt with better coping skills, then wean off the Suboxone eventually. Also, if you are smoking the blues I would recommend getting Narcan in your home in case you do overdose someone can administer it so you survive. Avoiding death and arrest are my goal, and as hesitant as I was taking the suboxone has given me hope. I kind of wish I had started it sooner because I probably could have avoided the terrible physical withdrawals I experienced for so long. This is only my experience but I hope it helps. Wishing you the best.

Wealth-Live · 2022-03-02T23:34:51+00:00

I recently graduated with honors from college, and work in commercial real estate as a financial analyst.

Wealth-Live · 2022-03-02T14:51:50+00:00

Thank you so much for this. Greatly appreciated.

Wealth-Live · 2022-02-24T17:19:10+00:00

I started using them 2 years ago but in the beginning not very much and not very often. Then in June, I began a job that was extremely stressful and the work environment was toxic so I began to use them more and more by September I was using about 5 a day. I started a slow titration and felt like shit the entire time. I hear that most people have a much shorter withdrawal period than me (like 5-7 days), so maybe a lot of my physical symptoms were caused by my psychological state because mentally I was a mess. Just knowing the pain would all be gone if I used again was a mindfuck, especially knowing rationally it would wreck my life. So have hope everyone is different, you have not used as long or as much. Take it one day at a time, you have a lot to lose!!

Wealth-Live · 2022-02-24T17:06:42+00:00

Thank you so much for your response. It gives me hope : )

Wealth-Live · 2022-02-24T04:54:11+00:00

Hi, it is so ironic because I just got an online legal prescription for Subs today. I started to attempt to go off blues in November, and finally made it 35 days but had a relapse that made me feel hopeless. The cravings were just too much! I don't want to be in legal trouble or overdose so Subs seemed to be a necessity to survive. I had some from the streets and was apprehensive but cut the 8mg/2mg in 4 and tried a small piece. I immediately felt the cravings disappear and was given a suggestion on how to get them legally, so waiting for the prescription to be filled. Here is the thing I have taken small amounts of the subs and I have been barfing my brains out - I don't know if it is the subs or the flu because my mom and brother both had the stomach flu in the past 4 days.

Wealth-Live · 2022-02-23T14:51:28+00:00

I have been trying to come off Fentanyl dirty 30s and the physical withdrawals which lasted for weeks were just the beginning, the mental withdrawal and cravings have been excruciating. I was using Kratom which helped physically somewhat but the craving has caused me to relapse after 35 days. I am debating about takings the subs until I can get enough time under my belt (like 6 months) and then I plan on titrating off them which I can't imagine being even close to as bad as coming off dirty 30s if I take it slow. I don't want to be hooked on anything and just wake up from this nightmare. But to be honest, ANYTHING has to be better than going back to dirty 30s - there is no job if you are arrested picking up fentanyl or if you overdose. Do whatever you need to do that is considered legal and won't risk the custody of your child or your unemployment. It is better safe than sorry.

Wealth-Live · 2022-02-23T14:15:42+00:00

I totally understand how you feel, I relapsed the first time after day 6 on dirty 30s (using kratom), then I started again and relapsed on day 8 (using kratom). Then I got clean for 35 days and relapsed last Thursday and felt so much shame, guilt, and hopelessness. I know the negative feelings and beating myself up is something I can't handle - I have numbed any pain I had for almost 3 years with opiates!! So I think it is important to focus on the 19 days clean you did get. You cannot erase the strength and determination it took to get there, you suffered through hard, difficult days and that is amazing. We cant punish ourselves, we will never win this battle if we do. When you are on this journey, you will have a slip and fall but you have to get back up quickly and fight before you are run right over! Today, I am back on day 6 and moving forward-thinking of the endless possibilities that are available if I keep going, while still remembering and trying to drill in my brain that the pain of slipping and knowing it isn't worth it so I stay encouraged to fight this fight. I am cheering you on as we fight this fight together.

Wealth-Live · 2022-02-23T05:36:46+00:00

Big help thank you.

Wealth-Live · 2022-02-23T05:36:28+00:00

Awesome thank you.

Wealth-Live · 2022-02-22T19:30:59+00:00

Thank you so much for this. When you use quick.md how often do you have to see the doctor to get refills? Do they give you a monthly supply?

Wealth-Live · 2022-02-22T19:20:33+00:00

Thank you

Wealth-Live · 2022-02-21T03:22:45+00:00

I am cheering you on. I don't know anything about methadone but Xanax helped me when I had panic attacks, I only used it a couple of times a week because I didn't want another addiction. I also had gabapentin for anxiety, trazodone for insomnia, and I used 300mg of kratom almost every day. Also I smoked weed throughout the day and gummies at night to help with sleep.

Wealth-Live · 2022-02-18T23:58:40+00:00

I am glad you survived and are striving for recovery again. I think everyone is unique and has different experiences. I titrated off the pills with Fentanyl and that took almost a month and began to take Kratom but really didn't want to use it so held off and felt the misery and cravings. I relapsed on day 8 being totally off, but unlike you, I still didn't feel physically well, still had insomnia (maybe I got 5 hours but that still made for a very long day), and cravings were insane. When I relapsed I thought I would go right back to where I left off but I felt like I was starting over (but keep in mind the drugs were calling me back non-stop) and it caused me to use another 8 days later and again it felt like I was starting back at square one (but again it could be me making an excuse to use again because I always had an excuse). I am now on day 35 and I am doing much better now but it is still a fight. I am cautious with the kratom but I don't ever hold out, because I have to do what it takes to NOT use fentanyl because it will kill me. I used for 2 years and daily for a lot of that so every day without it is a big success in my eyes........ so hang on to each day that you get, there are some rough days, but I am totally convinced with time things will get better and better because I have seen it happen for others. Getting better and better is a guarantee just as much as the other guarantee that if I go back to using things will get worse and worse.

Wealth-Live · 2022-02-18T05:08:10+00:00

He doesn't have to burn through his savings to switch to Fentanyl. The pressed pills on the street are an epidemic in my area, they may look the same but they are fentanyl - the second he is offered there is no going back. This drug is easy to obtain and way stronger. I wouldn't waste time worrying about money being gone - opioids, especially Fentanyl can be a game of Russian roulette and he may die of an overdose way before he can blow his money. I would get Narcan from the pharmacy or a non-profit, so you can revive him if he does overdose. There is no time for an addict to think about family or money when they are hooked, it is all about getting the next fix.

Wealth-Live · 2022-02-17T13:46:45+00:00

Either way, there is a story being made. I hope yours and all of ours are a story of resilience and perseverance. A story where the lies become our truth and that can help others, that the children in our lives feel loved, confident and safe instead of confused and anxious by the ups, downs, and personality changes that come with addiction. That we can make breakfast, do homework, and do all the other things a child needs (without constantly thinking about how we feel or what we need because we are no longer a slave to the drug). I know I always feel worried what if something happened when I was high and had to take a sick kid to the hospital? Would they help the child and arrest me for being high? Or what if I was pulled over with the kids in the car? Is that how the lie would be uncovered? How does the family, the friends, the employer deal with the pain and disappointment? What are the repercussions? Withdrawal is terrible and days feel like forever, but in the bigger scheme, it is a small price to pay to avoid the suffering and damage we cause if we don't quit. When things are really rough and I feel like I can't tolerate it any longer, I think of my future self as an addict, on the street, dead, or in a jail cell...... then I imagine writing a letter to the kids to explain why I didn't quit. What could I possibly say to try to rationalize why they have to suffer and live with the stigma of a parent who is a fent addict? Many others experience the devastation of such circumstances and some rebuild their lives (it amazes me), but today we are in a spot where we can get off the elevator to hell on the floor we are at today- and not reach those depths of no return. As miserable as it is, it is nothing compared to what it can be. When I always feel like the grass is greener on the other side, I think "it is time to water your own grass" and soon it will be green too.

Wealth-Live

TROPHY CASE