I use standard market PM rates in my underwriting, but I also would not work for those rates but it is fair compensation for the work.I typically use vacancy of 5% not because I have ever had a unit that had that high vacancy but I do not have a no payment category and I want the underwriting to be conservativeon the opposite, your rate is a bit high and your appreciation rate and rent growth are modest.overall, seems like a decent attempt at an analysis.  

Many who fail fall short in these categories.

As a starting point, I have been heavily considering the Sub30k category of REI.

I like to be thorough and hence included detailed expense categories in my spreadsheet when evaluating a deal. 

So for example, a 761 credit score will be in the 760-779 credit category, then going down to 740-759 and so on.2.

Curious if they named that company as they were the servicing company - so they were the ones who would be handling payoffs.... 

I see this - is it the right place, it has very few categories https://labor.maryland.gov/pq/Grateful for opinions please. 

Here is a list of states divided into three categories, based on my internet research.  

Banks and mortgage companies are getting wise and they are recognizing the threat that Pace Morby is to them. 

Mordechai ChaimovitzTwo-unit owner-occupied falls into an odd category, really any 2-4 unit with a nice owner's unit for that matter.