I'm wondering if YNAB is too simplistic (i.e. one mortgage, not 3+) and I need to graduate to some kind of small business accounting software that can spit out P&Ls. 

But I'll give you the benefit of the doubt and chalk the shortsightedness of your analogy up to overly simplistic reasoning.It goes without saying that one doesn't care at all whether the experience of ordering pizza is a pleasant one, but the same cannot be said about purchasing property, spending $50-$100k, making a serious investment or commitment to a years-long project, etc. 

Usually for first timers and low down buyers the underwriting is a little more simplistic than traditional buy/hold investors purely seeking yield. 

That is a simplistic model to be sure, but it is the same thing with all things in your life.

It is a very simplistic way to get people to understand the power of investing.

@Nina Ning this is going to seem over-simplistic but the price, location, and the start date of the property virtually guarantees that only students will want to rent the property."5 Bedroom/2 Bath Duplex only 3 blocks from _____bar and 7 blocks from _______football stadium available August 1st, 2021" = what a group of college friends is looking for. 

I know that's simplistic, but it is true.By, the way, that CL post was from an Anchor Loans deal in Sherman Oaks back in 2017.

This is just my simplistic way of justifying/risking everything! 

@Ryan A ShumakerAppfolio just came out with an investor management system which we are starting to use and it’s simplistic to use and makes the investor process easy as well.

Pace is the first and only person that has broken down the different ways to get into real estate in a simplistic manner.