Also, are you meeting with a "consumer" lender or a "commercial" lender?

While time consuming, I did learn a lot and was within $2,000 of my initial budget.

I found the setup and management process on Booking.com to be horrendous, not intuitive, time-consuming, fees are expensive, I had to manually process credit cards, and only got a few bookings for my trouble.  

You might want to study up on the Telephone Consumer Protection Act.

Hello, it is really time consuming for me to analyze each property by manually entering its data to calculate the return.

Ask your agent or broker if the insurer is on that list, or view that list at the internet website of the California Department of Insurance: www.insurance.ca.gov/01-consumers/120-company/07-lasli/lasli.cfm.8. ....=================================== Hey Xian!

CA RE Broker ( which I have) standard state MLO and NMLS  and Consumer finance license.

It is very time consuming to get permit approvals and you may be in a position where you need to extend, pay fees, etc.. when your loan is past due.   

I completely understand all the financial calculations and models in the system and yes, it would have been fairly easy to build one myself, but very time consuming.  

Again, this is with commercial/investment property; owner occupied or consumer loans may have legal issues rendering this technique non applicable.