People have many reasons for not being comfortable accepting love from others. For some, it's just a trait of their personality that they'd like to change. For others, a history of abuse or trauma may have required that the person shut down to protect themselves, making trusting someone else enough to accept their love nearly impossible. Understanding why you are having trouble accepting love will help you overcome that difficulty. Some people are naturally more reserved than others. Don't confuse emotional reserve with inability to accept or express love. If you have previously been in relationships that ended badly, or if you were in a relationship with someone who didn't offer you the same love and trust that you offered them, it can be hard to think about accepting love again. It is natural for survivors of abuse to experience an inability to trust others. Trust is a difficult thing to re-learn, so take your time. Don't feel guilty because you have trouble trusting people. In order to achieve intimacy in relationships, whether they are with friends or with romantic partners, you need to be comfortable being vulnerable with the other person. It can be terrifying to accept this possibility, but researchers emphasize that without vulnerability human connection cannot happen. For example, much of what drives a classic "fear of commitment" is the fear of being vulnerable and then being hurt. This often stems from a history of past experiences. You can practice accepting vulnerability incrementally. Start with small gestures -- greeting a coworker, saying hello to a neighbor -- and accept that they may not be returned and that this is okay. You just need to practice putting yourself forward. Especially if you haven't had a lot of practice in accepting love from others, or if you've been hurt by loved ones in the past, you may need to take particular care in choosing what love you're willing to accept and what level of vulnerability you are able to handle at this point in time. For example, accepting an offer to go out for coffee with a coworker may represent a fairly low level of vulnerability for some people, but a high level for others. Deciding to try healing a friendship that fell apart represents a very high level of vulnerability. You may need to start with small steps at first. That's okay. You can build up to accepting greater levels of vulnerability as you become more comfortable with accepting love. Being in a relationship with another person, whether it's a colleague, a friend, or a romantic partner, means that you are connecting with unique person with feelings and thoughts of his or her own. You cannot, and should not, control other people's actions and emotions, and trying to do so can end up hurting everyone in the relationship. Accepting that you can't control the other person means accepting the possibility that they may hurt you, but it also means that you may find out how truly loving they can be when allowed to express themselves. Accepting yourself can be hard if the people you surround yourself with are constantly criticizing you or asking you to change. It will be much easier to accept love from friends and romantic partners who accept you for who you, do not constantly criticize or shame you, and do not set conditions on their love for you. " While many studies show that individuals who are open to vulnerability and accepting love from others tend to be happier and healthier people, you are not required to accept love from everyone. Always remember that you can and should ask others to respect your boundaries. The other person should respect the boundaries you set. People who routinely ignore or reject your requests may not be genuinely interested in your feelings. Sometimes, individuals attempt to control other people by manipulating their feelings of love. There are many forms that emotional abuse can take, but learning to recognize these warning signs will help you determine when the offer of love is something that will enrich your life and when it's an attempt to manipulate you. A common abusive tactic is to make love conditional based on something that you do. This can manifest as manipulations such as "If you really loved me you would." or "I love you, but" Another abusive tactic is to threaten the withdrawal of love to get a desired behavior; for example, "If you don't do ____, I won't love you anymore." Abusers may also play on your own insecurities to convince you to obey them, such as telling you that "nobody will love you the way I do" or "nobody will want you if I leave you." If you experience any of these in your relationship, consider seeking counseling or other assistance. Emotional abuse is not normal, and you don't deserve it.
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One-sentence summary -- Understand where your hesitation to accept love comes from. Become comfortable with vulnerability. Assess the level of vulnerability you are comfortable with. Give up the need to control. Find people who accept you as you are. Embrace your right to say "no. Learn to recognize when "love" is actually emotional abuse.

A lender will pull your credit history to decide if you are a good credit risk. For this reason, you should review your credit history before applying for a loan. You can get a free credit report from each credit reporting bureau every year by visiting www.annualcreditreport.com or calling 1-877-322-8228. Study the report for errors. For example, information might be included on your report that isn't yours. Instead, it might belong to someone else with a close name or Social Security Number. Also, credit reports sometimes list the incorrect payment status on accounts or don't include remedied problems, such as an account paid in full. If you find errors, then dispute them with the credit reporting bureau whose report contains the error. It can take up to 60 days to complete the dispute process, so plan accordingly. There are two types of loans available to purchase apartment buildings. A non-recourse loan is secured with the building itself. They are available to certain buyers if the building is worth $2.5 million. The other type is a recourse loan. With this loan, you will be personally liable on the loan. This means that if you default, the lender can come for your personal assets, such as your home. Loans can be long term (up to 30 years) or short term (five, seven, and 10 years). Interest rates can be fixed or variable. If you pick a variable rate, then the interest rate will change as the loan matures. You'll need to submit quite a bit of paperwork to a lender when you apply for a loan. You will probably need to submit the following, so gather it ahead of time: property description, including year of construction and number of units pictures of the property map showing the property's location and competitor apartment buildings plans for upgrades information on rents copies of floor plans purchase price and closing costs names of others involved in the transaction (such as attorneys, real estate brokers, and title companies) You can apply for a loan with many different lenders and the choose the one that offers the best terms. Share your supporting documentation with them and then complete the required application. After you submit the application, a loan officer will review your application. They may reach out to you for additional information. You'll then receive a term sheet or letter of intent from all lenders you applied to. This document will identify all the parties, the type of security, the amount financed, and other key terms. The purpose is to make sure everyone understands the terms of the loan. You sign the letter of intent or term sheet for the most attractive loan. Submit it to the lender. You may need to pay a deposit at this point or submit supporting documents, such as an appraisal. Wait to receive the final, full loan commitment from the lender.
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One-sentence summary --
Review your credit history. Understand commercial loans. Gather required documents. Apply for a loan.