I want an honest and communicative lender that doesn't have DTI or bank statement cash flow requirements, that will lend on ARV, desktop appraisal preferred, that will lend up to 100% for purchase and rehab, that has a simple and convenient construction draw method not involving physical inspections.

Depending on your budget, I'm also a fan of the Mac mini with a desktop and an iPad for portability. 

She told me that I could pay for a full appraisal or a desktop appraisal but that doesn't guarantee an increase in the appraisal.

I would like a basic bookkeeping software, desktop, that I can purchase and use until I want to upgrade.

I use Thunderbird on desktop, which creates a file on my PC that has my emails in it.As far as privacy, it's simplest to assume that any free-to-you "cloud" service is snooping your data, selling it to anyone with money, and giving it to the feds for free. 

Sure, it takes some more work, to categorize spending (which actually takes little time and makes you well aware of what you are spending) and giving all of your dollars a 'job'... but as I a-test and they have discovered, it is well worth the effort and well worth $50/year.I have used YNAB since the start of 2014, both their desktop and now online based version and I am happy to spend $50/year on something that enables us to live with minimal financial stress and gives us the ability to get laser focused on financial goals.

We've looked at the QuickBooks Pro Online version but it doesn't have the features we use in the desktop version. 

(Currently QB online Plus version, or Desktop Pro version) For the desktop version, you'll get about 5 years before support stops.

Hey @Grace A.Closed on a home yesterday, biggest delays one may see is in appraisals or if the appraiser is ok with it, they are doing desktop appraisals.

It emulates an HP 10B-II calculator and adds some handy features.Knowing how to use a financial calculator can be quite helpful, especially when you're away from your desktop / laptop and need to run some calc.'