There are characteristics of a cycle, like good economy, jobs, low unemployment, consumer confidence, new building permits, new loan applications, low interest rates, etc.

SEO is essentially a bit time consuming but lower cost.

I also think it's our duty as consumers to review people we do business with- whether the experience was good or bad.

So far, it’s been frustrating and time consuming - several dead ends.

Since then, I've consumed a lot of content on and off of BP. 

Maybe there are statistical models that predict C% loans getting paid off in full & sooner more frequently than D%, so Wall Street pays a premium for mortgage  backed securities with more of D% in it, which is passed onto the consumer in the form of D% being offered for merely 0.3 more than C%.

I calculate the cost of each turnover for the specific unit, including laundry, consumables, cleaner, etc. and then make this my "cleaning fee".

This is one of the reasons why I believe teaming up with a mortgage banker over a bank or credit union is more beneficial to investors and consumers.

@David Morgan, it sound like your thinking is solid to me from a consumer side of things.

I  have no experience in the field of real estate and have just been consuming every bit of info I can from BP (which has helped a lot.)I have been listening to podcasts, signing up for every webinar, analyzing deals daily using the calculators. and have recently purchased a few books from the site that I will begin soon.