It struck me that they knew how to raise capital, but then they would send the deals off to a servicer that milked their servicing bill.

I guess you could risk it and then beg for forgiveness but at that point you have lost face and trust of your Banker.Sure, I get what you are trying to say "the Dons and jay’s of the world will share how it can be done but are never pushing a product, a course, a group etc.

I price out many 30 year DSCR products for people, lots of times they need to take a leverage cut to make the DSCR work if it is a single family. 

The 5% Fannie Mae conventional product for 2-4 is great and do you have to worry about the self sustainability test like you would on FHA.

Yes, there’s a product that exists which does exactly what you want.

There are some pretty good products out there available for investments, where you can do seller paid temporary rate buydowns.

I am asking both in terms of their turnkey products and in general how competent they are and trustworthy. 

If the price to replace is within budget I'd do it because you're putting out a newer/safer/more reliable product.2) Cost to replace the entire systems is tough to gauge without knowing the building size and style...

@Mark HaskinsThere are several good to very good low flow shower heads available these days at 1.75, 1.5 and even, 1.25 usg/minute {standard shower head flows at 2.5 gpm}.Have a look at the Spoiler and Earth models available from AM Conservation Group {formerly part of Niagara Conservation who manufactures good low-flow, flapperless toilets}.NFI in Niagara, just a satisfied customer who has been using their products in our units for the past 3+ years.

Its a renewable resource for sure so there is always going to be plenty of Doug fir.. and of course Hemlock which they call piss fir and or Hemfir at the store.. and those logs sell for a lot less on the stump.. but the end product is the same cost..