And how sensitive is that to interest rates changes (the rate you brought at vs the rate the new buyer can get in the market when you want to sell?)

The single biggest thing that I've probably learned about students so far is that they're not price sensitive, mostly because they're not paying for it.

If this is in Georgia which is an attorney closing state  I can hook you up with some real estate attorneys who have teeth and are not afraid to get their hands dirty. 

He has stellar credit but is unable to make deals due to the sensitive financial company he works for and the amount of student loans he cosigned for his kids. 

Yes, you can cut your hair yourself, you can floss and deep clean your teeth too , also prep your own avocado toast with your own squished Orange for drink.. 

As easy as this sounds, it's not simple and usually like pulling teeth.

It's like pulling teeth to get a contractor quote. 

BUT, can Google or books answer you within hours of your time sensitive question?

While completing a Cost Seg study, they were very resistent to me using 6% and because of time-sensitivity, I decided to default to the "rule of thumb" method that you mentioned and used 80/20. 

Airbnb will prohibit sensitive information like if they shared their phone number or email but I’ve had other hosts ask me of my full name and then they found me on Facebook and connected with me that way.