@Jordan MoorheadI had written out out a response that was documented with statistical evidence across the asset classes that are good ones... but on 2nd thought.

Based on my experience here might be why these things happened.Grass - we rely on our landscapers to let us know how the grass is doing, and they are allowed to adjust sprinklers.

But statistically, how many actually CHANGE their lifestyle so that they actually pay off those Credit Card/s?

Historically, navigating the funding landscape was complex with differing program specific funding conditions and amounts, favoring only the most skilled large developers.

Secondly, I think understanding guidelines, the constantly changing landscape, and really being able to offer many different options to tailor the lending needs to the client rather than force a square peg through a round hole. 

I am happy to help you in any way I can navigate the Dayton landscape!

The reality is that the insurance landscape has shifted dramatically in recent years, and underestimating those expenses can be a costly mistake for syndicators and investors alike.Insurance Escalators: A Changing RealityYour point about the outdated assumption of a 3% YOY increase in insurance is spot on.

However, downsides include regulatory restrictions on bank lending, many institutions that restrict concentration and geographies, and other headaches and issues that arise when dealing with a slower-moving bank.DSCR loans are the option that has completely changed the BRRRR lending landscape in the last few years.

Surely there is some expense for the landscaping water that is not covered by the residents. - Of course, this assumes you are managing the property with free labor. 

-Landscape lighting (It's a long driveway ... lighting on it?