To reiterate above, the variable rate is not the issue, it's the attempt at new terms with punishment attached if not accepted.FWIW, if I recall correctly from 5 years ago, my loan officer casually mentioned that the loan will be "in-house" which I understood him to mean is not a federally backed loan and they are lending directly, but I didn't ask for clarification.Maybe my loan address was included by mistake for this mailing because of that categorization, but still, gahh.

Files were categorized by the type of problem. 

Notably, short-term rentals are categorized as non-residential properties.

I beleive there's plenty of opportunties on the MLS, but they are usually categorized incorrectly i.e. a property possessing favorable zoning listed under the single family category, public records incorrectly listed the square footage, or instances where  BRIGHT MLS doesn't track zoning changes real time with recently introduced zoning bills.

It would be nice to categorize the fines.

So I need to manually upload everything and categorize it.  

It will connect excel to your bank accounts and auto categorize for you, its pretty neat service ($79)

QBO even has a function where you are able to automatically categorize certain recurring payments so your bookkeeper has even less to do. 

However, properties bought and sold by flippers are not categorized as capital assets.  

Also you should categorize what is a risky asset from a safe asset.