Hey @Ann McleanI just switched all of my policies to a local agent with a major company.

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+, 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, 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.

It has great integrations with a lot of major banks.

Next time on a MAJOR renovation project, I'd have the City of Johnson City Building Inspector join me for a pre-purchase tour to tell me what permits and what jobs they'll require of me.

Again, there majority standing on Mt Debt. 

Also double/triple verify the conditions in which they can or cannot be replaced - in case of fire, destruction, etc.

I am not in SB but majority of my team is including my business partner. 

I used to manage my own STR on Airbnb hence, I kept a majority of the payout.

No lender offers 100% for everyone so there would be major caveat to that. 100% of rehab costs are normal.

Here's one thing we need to close... then here's another now that you cleared that hurdle.Are you dealing with a major lender, or is this a private lender, or what?