Pat has acquired a keen interest in real estate during his banking career of 43 years, especially commercial real estate. Pat's banking journey started in 1975 and he was fortunate to spend nearly all his history in the lending arena of the financial industry. He not only witnessed but thrived and survived many different economic markets during his tenure. Pat has underwritten and financed billions of dollars' worth of real estate during that time. Plus he has personally acquired, rehabbed, constructed, and sold various types of property. Pat has interacted and negotiated with all types of developers, contractors, engineers, architects, appraisers, bankers, Realtors and owners.