Direct Mail is expensive, time-consuming, and doesn't have a high conversion rate based on the amount of money I'm spending as well as the amount of time I am spending sitting on Property Radar hunting for the leads. 

They don’t follow the same restrictions and principles on a consumer purpose loan. 

While it’s relatively simple and can help you find deals, it’s also time-consuming.

Entitlements can be costly and time consuming but can also be lucrative.

I'd attack the credit report :) 1) lower (pay down) whatever accounts have a high utilization percentage 2) contact each of 3 major consumer credit agencies and get a free report, then dispute every hard inquiry that is *NOT* associated with an open account 3) call the credit cards you already have established and ask for a credit line increase -- often can be done online and they do not verify income, hint hint. 

Many cities have high overhead costs that consume a large portion of generated revenue.

I did consider the fact that multiples can be complex and time-consuming (which I am leaning away from). 

@Alec Barnes one of the problems with communication is the different expectations.Agents and consumers all think PMCs should be available 24/7.NOT POSSIBLE for the relatively small monthly fees owners pay PMCs versus the thousands of dollars of commissions agents get per transaction.So, while agents may answer their phones 24/7, most PMCs do not.

She was consuming half of our time, and we were both miserable.

The problem with dividing the water bill up equally is some tenants will fight that saying other tenants are consuming more water then they are.