One way to start is grab an Apple Watch or something to help you monitor your steps and try to increase your step counts to 10,000 steps gradually.

its apples and Oranges.

Do one task at a time in each app to compare apples to apples.Load a property with pictures and details.Market that property.See what your marketing looks like from the public's perspective.Submit a fake application to see how easy the process is.

For example if you borrow 300k at 9.99 with IO payments, your monthly payment would be 2497.50. 

I’ve educated myself on the importance of understanding the variables between annualized ROI vs Comulative ROI and just the annualized ROI can be more helpful when comparing apples to apples as well as apples to oranges.  

That way you have a bid " Apples for Apples "I  would have only labor bid.You control products.Don't fall for contractor that forces you to sing the contract. 

Typically interest only for a couple years, rate a little higher but i/o payment lower.

They just built the second largest apple campus down the road in Rancho Bernardo, so lots of people moving to the area. 

But is IO product good ?

Apple is building their East Coast headquarters between Raleigh and Durham. 5,000 jobs with median salary of $240k/year.