I built my own calculator (checked against the one here on BP) so I understand all the math and can play around in the spreadsheet and tweak quickly.

Or go to the city and fight to get it rezoned, even into a 4 unit and spend money combining units fro 7 to 4, any tweak to existing building would be cheaper than tear down….

Yes there are unscrupulous people in each profession, but saying a whole profession is unethical because a few of their members are is ridiculous.An optimized overfunded permanent life insurance policy give less commission to the insurance agent as he or she is tweaking it to give the best return to the owner by lowering all the fee, including his/her commission.The long term IRR of an optimized whole life insurance is in the 3-5% range; The long term IRR of an optimized Index Universal Life insurance is typically in the 5-8% range.Yes it is not excellent compared to some 10-20% IRR you can get with real estate, but you have to remember that it is also tax free (so a few percent more to compare apple to apple).

That thing will NEVER fly to the moon no matter how badly you tweak it.Now I am not saying you will never get a deal.

They are always being tweaked, updated, and changed.

With a few tweaks here and there, you can turn that Real Estate listing around in no time.

Everything can be digitalized and is and if we need to tweak some SAAS tools we use we do.

Also I’m finding that I can listen to people that are experienced or the professionals but I do have to tweak things to fit my particular circumstance.

I have to be able to tweak the numbers a hundred times, print reports and go over the numbers 100 more time because one mistake can cause a loss that puts you backwards for several months, or years.See you in a week or so. 

You can search for free until you get the list tweaked, then purchase with a credit card and download the list.