As we grow, I intend to take further measures but since we are just starting out there is really no reason to get crazy since the Umbrella is more than sufficient.

We also need it to generate some sales tools including appropriate financial measures (because it's different from other funding models, some education is needed).My wife and I have begun to test a second business model that will need the same kind of analysis, and we have other models waiting after that. 

You have already completed an important first step - Identifying measurable goals with deadlines.

The difference is they will be able to lend more or have less stringent criteria for lending.

Some people are demolishing the whole house, some people install a new kitchen every year.I look on craigslist daily and find one with measurements and layout to fit my space. 

It's the same reason that nobody measures a home in Colorado when they sell it. 10 people would all get different measurements and the same seems to go for appraisals. 

just did the measurements with a digital tape measurer., off by 30%, which is huge.

Since this is a measure of CASH on CASH, we can only count cash.

Respectable numbers by any measurement.

This could be due to more stringent qualification requirements.