and of course a lot of DSCR loans are quote with a 5 year pre-payment penalty which of course can be VERY expensive if you have a 5 year flat 5% PPP and either rates drop or market conditions are such that you would like to sell the property. 5% of 300k for example would be 15k. 

I'm in Chicago and was just curious where your 4-flat is located here?

No underlayment was needed, but the floors have to be pretty flat for an easy install. 

Outside the walls of my home, in the general public, I can't think of a single instance in my half century on the planet where having a firearm would have changed a situation or where I found myself in a situation that I could not walk/run away from to avoid conflict altogether.

plus for infrastucture and that is flat NO DIRT being moved just underground and paving . sidewalks go in by each lot owner.  

By default depreciation is straight line taking a flat amount per year based on the expected life of what you are depreciating.

We're also flat fee. 

@Gisell Garcia I've used apartments.com, which is currently free and ERentpayment.com, which charges $3/house or $10 flat fee.

So, a lot of this input has helped me decide to stick with that for now instead of dropping healthcare altogether. 

I've found you can negotiate a flat fee service at a slightly higher cost if you prefer consistency of cost over the risk.Fees - not typically large but transaction and back fees can add up in to the hundreds, if not thousands depending on volume and plan type.Income - additionals.