As it relates to habitation exposures, it appears that there may be a leveling off in premiums, rates, and deductibles here recently, but there's so many different variables that it's really hard to make a blanket prediction for 2025 (or the future). 

I doubt any respectable lender will consider a property without electricity and missing breakers as "working" as the property is not habitable in this condition.

REIHub, Stessa, QuickBooks, spreadsheets, etc are all valid tools and depends on the client and how their brain works.I wish you luck in getting yourself organized for the coming season, but would encourage you to make the recordkeeping an ongoing habit rather than a once per year stress fest.

Because we are dependant, for the most part, on word of mouth recommendations it is vital that our recommendations are valid. 

Make it a habit—underwrite one deal a day until you get the hang of it.The tougher part, and I think what you’re really asking, is how to turn solid underwriting into a profitable deal.

They moved in and within 24 hours sent the following letter (names have been changed): "Hi Dawn and Brian,Sindy and I are frustrated, disappointed, and really struggling with the idea of moving forward with the move into your home.We realize this is the first time you have rented a property to someone, and may not be aware of the responsibilities that landlords have, and want to inform you that there are habitability issues with the home that are quite literally against the law, pursuant to Colorado’s Warranty of Habitability Law, CRS §§ 38-12-501 et seq.

Also, to track spending habits - just had a prospect withdraw their application when we asked why they were spending half their income on gambling websites.

One would think a tenant with an ounce of brains would change their habits with the first violation.You need to get rid of this tenant. 

Mine has grown over the years to accommodate more properties and analysis, but I've divided into basic sections:Revenue (by unit)COGS (I know, but old habits.

Based on your post and other comments, it sounds like your rehab is extensive enough that the property isn't habitable.