We wanted to test out the Padsplit model and have it in our portfolio.

And even though virtually every sponsor agreement allows me to share investment information with others who might be advising me on it (especially when club members are bound by an NDA), I still ask the sponsor if I can share it, because it's a test.

They use PRICE LABS to create these score cards that test your price, data is pulled from Price Labs, well guess what you can access that right from Price Labs you do not need to pay them for that.

I think it's important to do a little bit of stress-testing math on your portfolio.

Loan Sizing Parameters: LTV, DCR, DY, amortization, stress tests, exit tests, etc.3. 

Alternatives include Stessa (free) and Buildium (more robust, pricier).For testing, a phased approach is generally best.

When I plug in the parameters for our test case:$150,000 at 3% for 30 years... it exactly matches the Vertex32 results for monthly payment and the principal and interest portions of the first 24 payments (turn off rounding on the Vertex32 spreadsheet).

I'm skeptical but I'm willing to test the water to something small first.

I also have plans to test air BNB and long term leasing to see what works best.2) Bed bug addendum's have been brought up throughout this post and other research I've been doing.

Financing- build a relationship with a regional banker, don’t shop for interest rates, start small and build history and loyalty they are your team, Cross collateralize, deposit CD/MM or custodial account with bank for loan, give them monthly updates, nail your deal analysis, do stress tests on your deal analysis-cost/interest rate/deal length/ sale price etc. 12.