Expense %s can be regional so check out what typical for your area.  

Do you usually find that portfolio loans are mostly provided by smaller local lenders (i.e. community banks) as opposed to regional or larger banks?

Work your markets and local regional banks to get better pricing and or cleaner assets.  

My wife has been in prop management for most of her adult life and is a regional manager for a large company so I plan on using her skills on the management side (why didn't we do this much sooner!!).

I should disclose I've spent the last five years in a technology sales role, and have grown to be the highest producer in our southern region.

I might focus more on the central northern region. 

Hello, I'm a buy and hold investor in the inland Southern California region.

I am in the downtown region but was born in La Mesa, It's a great town.

Is it mom and pop or more regional to national quality type assets?     

I have a guy that works way cheaper then he should and does them for about $1300 labor which I know is crazy so I am trying to get a grasp on reality when I start shopping rates again.For a small full bathroom we typically do a complete gut except we keep the tub and reglaze it -  Labor usually consists of ceramic tile shower surround/tile floor - new toilet,light,mirror,towel bar,faucet, shower head - trim and painI know this is region specific but just interested to hear others