Is a roughly 3% premium to Treasury's typical for a commercial/DSCR loan? 

@Sean MacDonaldI think you summed it up in your observation of your clients, it's very typical here in the valley that the number of transactions will decline right before an election and then those buyers just like your clients will get back in and the number of transactions will pick back up in the months following the election.

I can't speak to the other markets you listed but they are typically compared to our market here so I imagine they're similar.

I was not trying to be negative, but simply pointing out the world typically response to what you make of it.  

Collections agencies typically take 30-50% of what they collect. 50-70% of something is better then 100% of nothing IMO.  

I'll typically pay to "boost" the listing on Facebook to get more exposure, which has proven to be worth the $5-$15. 

Similarly, the markets with the best initial cash flow typically have poor historical appreciation and rent growth.

I am typically on top of things where I do not let anything sit when the City review comments come back.

To answer your first question, since we warranty the purchase price less payments received, our performance warranty is only applicable until an investor's investment principle is no longer at risk (which is typically for the first 4 to 7 years from when they purchased a re-performing note).

Typically financing for investment properties are difficult if it's irrevocable.