interesting point,  I bank with BOA because of the mobile apps and mobile check deposits bill pay Apple Pay etc....basically convenience of features.  

You will need knowledge on how things will get done, before you invite bids, make sure you make a scope so you will receive more apples to apples bid.

Of course, the first thing you need to do is to get rid of the bad apples, so often occupancy will go down.

As I said, there are always bad apples with bad intentions, but for those who are wanting to deal ethically and legally then information is available and there are reliable sources from which to gain knowledge.......but it sure won't be from some guru!

Honestly a verbal bid is a waste of time, most investors are not contractors and need detail in order to obtain apples to apples comparative bids. 

Apples and oranges.IMO, 25% is much higher than 10%.

It is not apples to apples because different people have different ways they manage coming back but it will give you a comparison.  

Comparing apples to apples.

@Dawn Oree If you approach insurance agents with the above statements, you will get all sorts of different policies and you will be comparing apples to oranges. 

Which is why I wanted to share an app that I’ve been using for quite a while now - It’s called powerOne FE - It’s a financial calculator available for both Apple and Android in their app stores for $5 (I'm not sure if I'm permitted to post a link to it here, but a quick search in your app store should get you there).