It’s made a great difference in how I interact with sellers during negotiations.

Most of the tax, insurance, and bank "experts" I have interacted with are not very advanced and get confused easily, unfortunately. 

If a lender thought they had to buy-pass the borrower and consult directly with the CRA, there is a declaration that you could be asked to authorize it (similar to what your accountant will have you sign so they can interact with the CRA on your behalf).  

The long and short of it is being interactive with people.

Interact on the forums and read/listen to as much as you can!

For one, it defeats the entire purpose- if you are going to be interacting with the tenant and making minor maintenance decisions, then you are wasting money on the PM. 

From a borrower to lender interaction, you can look at it like this.Large capital sources - relationships will be 1 to few"Middlemen" - relationships will be 1 to many borrowersThe Middlemen act as one large borrower for the large capital source.

He does use the BP calculator but I highly recommend sticking with your own spreadsheet because this forces you to fully understand the individual numbers and how they interact.

To that point, you've also brought up things I haven't even considered regarding, separate baths, kitchen sharing, and overall interaction with a potential stranger who would be my tenant.

I think being able to interact with people on a more personal level is better as well. we just need to find out how we can interact with her!