As a general rule, I tend to vote against anything that favors rent control and will increase property taxes.

The credit unions tend to have lower fees and offer solid business products.

We tend to stay just below our competition with a superior product.  

In many cases, it weakens the lender's position as they did not underwrite the buyer and an owner-occupant tends to pay better than non-owner-occupants.

This way I get paid upfront for my work 1-2k plus I know I have another payday at some point in the future if the deal closes.The costs to fully develop a property and sell for near retail usually involves the costs below and takes 2-6 months or more in some cases, but the profits can be huge if you're working in markets where land costs are high:Title 200-400Legal 500-2000 depending on zoning issuesIf wetlands are present AND its a buffer zone project: 2000-5000Perc & septic design if needed 1500-3000Treescaping & cleanup for retail sale 500-1500Selling costs of 6%I tend to stay clear of properties that need more than the above expense items.  

So I don’t tend to use the appraisal on this property as an example of what is normal for my deals.

I tend to use 8% for vacancy, 5-10% for repairs depending on the condition of the property, and 7-9% for cap ex.

Always use a title report and escrow though.It's over paying on a creative finance transaction that tends to happen. 

Short story, landlords tend to run away from QB, not towards it.You might give other software designed for landlords a try before moving back to QB. 

I think many people get analysis paralysis and therefore people will tend to never invest due to the fear of losing money.