It is also evident that you left out many of the operating expenses, such as management (even if you do it yourself), utilities (even if only during vacancies), office supplies, legal fees, evictions, damage done by tenants in excess of the security deposit, entity maintenance, lawsuits, capital expenses (not technically an operating expense), etc, etc, etc.You might want to read one of the 50% Rule sticky threads in the General and Landlording topic areas.Good Luck,Mike

You can also buy a mortgage calculator at most office supply stores, although that certainly isn't necessary unless you want to carry one with you as you look at houses.Mike

Depending on the lender and the rep assigned to the file, they might do another one if you supply them comps that support it.

Short answer: Supply and Demand

It starts with the money supply.

Maybe she's supplying the stuff their smoking on Capitol Hill, it would certainly explain a lot.

Offer them an extra $10 per cleaning if they keep they place stocked, plus of course you  reimburse them for all the supplies. 

The US Economy is still booming with no sign of stopping yet. some A type buildings are slowing down because of over supply issues in some markets. 

Building owners, having tenants in the building, shall post a notice in a common area of the building informing tenants that the owner of the building is required by law to supply and install carbon monoxide alarms in accordance with Section 908 of the Philadelphia Fire Code, and shall provide at least one tenant per dwelling unit or rooming unit with a copy of the manufacturer’s instructions for the alarm to ensure that tenants understand the purpose of carbon monoxide alarms, how they operate and appropriate action to take when an alarm sounds.

So who on your team can supply the cash?