I am from the Bay area, Buffalo is definitely not as vibrant as any city in the Bay area.2.

@Joe FarkasWelcome to BiggerPockets, a place to interact with a vibrant REI group, learn the real estate business and language.It doesn't matter if you are young or old, totally new or need to build upon your experience.And since you mentioned an interest in rental, flips, buy and hold I added three links to satisfy your reading desire.http://www.biggerpockets.com/renewsblog/2013/02/22/buying-rental-property/ (how to buy a rental property)http://www.biggerpockets.com/renewsblog/2014/01/07/flipping-houses/ (step by step guide to flips)https://www.biggerpockets.com/renewsblog/2015/01/31/ultimate-beginners-guide-real-estate-wholesaling-2/ (Ultimate beginners guide to wholesaling)Yes, you have just announced a commitment to the thousands in this community about your seriousness regarding REI and have taken this bold step to affirm it.Your time on this site with the BiggerPockets community will be well spent and can be financially rewarding if you so desire.Don't get overwhelmed by the massive amount of data archived on this site.Simply, bone up on the areas that you need to expand knowledge in such as, Forums, Marketplace, Learn, Network, Analyze and Resources.Feast on the Podcasts, #askbp Podcasts, blogs and webinars REI books suggested by BPershttps://www.biggerpockets.com/renewsblog/2015/11/13/7-real-estate-books-beginner-investors/ (7 absolute must read books for beginner REIs)http://www.biggerpockets.com/renewsblog/2013/04/14/best-real-estate-books/?

My global DSCR doesn't look ideal for lender purposes, but it is because a somewhat significant part of our overall payroll and expenses are more capital related items.

Global cash flow is also very important.

Its for this reason that banks look at "global cash flow," especially business banks and they talk about "debt coverage ratio," etc.

Another global issue is that the developers seem to ignore requests for some really basic functionality (especially interface functionality) that ought to be very easy to implement.  

In North America, Open Source solutions has not had the same level of adoption as elsewhere in the world ... largely because of our narrow mindset of if I do not pay for it, it cannot be any good.Many programs have come and gone, but QuickBooks seem to stay forever.That, of itself, does not make it a good piece of software, or a globally usable piece of software.  

In our era of globalization and internet, these types of things can be done for cheaper than most of you would think.

http://www.wbtv.com/Global/story.asp?

[AND] You are caught off guard by this...There are owners in here who would not be at all caught off guard by this--because they understand their renters.Now you want to "Go Toe to Toe" with these people you seem to have very little understanding of as a front line Manager.That's all I have to say.Maybe other's can get more in to the meat and bones of the problems--I'm just addressing it globally.