most bankers are standoffish ;-)yes, the HML/PML will be higher cost, but my concern for you is the banker knows he can't do your deal, but will string you along for a while, ask for additional information that takes you time (and maybe cost) to put together and he ends up either ghosting you or taking 6 months to tell you no.I could be wrong and you may be dealing with a "unicorn" banker, but I believe a HML/PML that knows construction in your market will be easier to work with, actually close your deal, and end up "saving" you money in the long-term...just my 3 cents - even inflation has increased this!

I actually currently have 3 lots that we are building duplexes or triplexes on at least.

Hey @Kyle Thomas -- I am actually working a new project related to exactly those questions.

There is poor correlation between initial cash flow and actual long term cash flow.

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

I analyzed that exact one, actually.

(If curious, my residential real estate investor clients from 10 years ago [you can find my 10 year old bigger pockets dot com posts :], at the time buying up 2-4 unit properties, a lot of them are now done with the 'human' tenants and want to 1031 into something that is ACTUALLY passive, so yes Starbucks comes up, thus I watch it).In my case I zoomed all the way into a specific brand (which then allows me to make very sweeping generalizations across an entire state -- but still not the entire country), I'm not suggesting you do that, but SOME of the variables need to be narrowed down, before you can gain any useful insights. 

Hey @Marc Shin, actually the washers and dryers are manufactured by Haier.

I am looking at AirBNB in Dubai and trying to get insights into it.Hi Hemal, if you’re still looking to set up AirBNB rentals in Dubai, I can actually help set that up for you.

@Jeremy Bloom  the rag on the thermostat can be beat by placing a remote thermostat that is set to the legally required temperature with that remote thermostat actually controlling the temperature.