I could put all this info into an excel spread sheet, but watch as peoples eyes gloss over.

My experience with Robert was excellent, I got funded 

Might be worth chatting with the great folks at Dirtfish if they would be willing to promote your vacation rental or even package it, they have wealthy clients coming from out of town regularly, and the local hotels are very expensive....any vacation rentals close by would probably make excellent options.

I actually wrote an Excel macro to pull down the HUD properties every day in my target counties, then check the bidding results .  

So whether you call it "mortality cost" or ART, its the SAME COST.

Excellent point!

The BP Tools are definitely very helpful, also some great downloadable excel templates online.

It is a residential-commercial building with excellent cash flow. 

If you have an excellent credit score, 740+, have a DSCR ratio of 1.25, and can show reserves, you may very easily achieve a rate in the 7s. 

The outcome is excellent.