:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

These are typically located in lesser-known vacation rental markets, but have very strong fundamentals and great room for improvement. 

Is a roughly 3% premium to Treasury's typical for a commercial/DSCR loan? 

@Sean MacDonaldI think you summed it up in your observation of your clients, it's very typical here in the valley that the number of transactions will decline right before an election and then those buyers just like your clients will get back in and the number of transactions will pick back up in the months following the election.

Inspection Costs - $400 Lender Fees - $1,000 Closing Costs - $2,000 Mortgage Payments - $2,500 Property Taxes - $600 Utilities - $1,000 Insurance - $200 Commissions - $4,000 Selling Closing Costs - $4,000 Home Warranty - $500 Termite Letter - $100 MLS Fees - $100 

Just because the cost of the utility is included, doesn't mean you can control if it works or doesn't work.

I can't speak to the other markets you listed but they are typically compared to our market here so I imagine they're similar.

Utilize Meetup.com or Eventbrite for real estate investing groups, BiggerPockets forums, CTPOA, and local events to connect with landlords, agents, and property managers.

I was not trying to be negative, but simply pointing out the world typically response to what you make of it.  

Same thing with bank accounts, utilities, etc.