You get repeat guests who book directly from your website by EXCEEDING expectations, not barely meeting them.  

low inventory of houses...I can barely find a multi family on the market right now

Box A is direct lender charges, box B are things the lender is making you get that you cannot shop for (for instance, the appraisal or credit report), and box C is closing costs that you can shop/control- Lenders can move things around between boxes A and B to change the way costs appear.

It's just an *option* that someone could choose to protect their cashflow when they have other properties that are only barely making money.So you think that capex, maintenance, and vacancy should be 45%???

The overwhelming majority of those people are bums that can barely afford a cup of coffee.

Hey @Guy Keren, I'd suggest reaching out to @Matt Solis if you need a great agent in DFW.

Instead they have worthless, patched, barely livable trailers, complete eyesores.You need to call your local building permit office and see what their requirements are for homes.

I guess I am in the wrong so my bad on this.Perhaps I am coming from a perspective of a conventional strategy where banks  barely interact with their borrowers and treat them like a statistic on their Excel spreadsheet - again my bad on this.

For example, a few years back they were really be stingy with approving for top approval rents because landlords were trying to get top rents but their places were barely passing hability standards so they were approving section 8 but at lower rents.

What I am seeing is the absolute bare minimum is a year before the market stabilizes.