It sounds counter-intuitive, but at 3.5% IRR, the policy yield outpaces the 5% interest if I hold the loan for 21 year loan and repay interest yearly (12 years at 4% IRR). 

I've found a counter intuitive relationship.  

(doesn't seem intuitive and well laid out to me) and this: https://www.adventuresincre.co.... which looks pretty good.

Looking for suggestions on an easy to use, intuitive software program that will let us tinker with layout.

At the bottom is a button that says "SUBMIT - $50", which takes them to my Intuit Payment Network checkout screen.

Appfolio is much more user friendly and intuitive.

This knowledge takes years to develop a reliable intuition with.

I also found the application process, while smooth and intuitive to be an extremely un-robust solution.  

It is owned by Intuit, but I doubt you need QB to utilize it.

I collect the fees in person when they give me their app, or online via Intuit's Payment Network.I get many people who whine about the $30 application fee, but my feeling is that if they probably aren't ideal tenants for me anyways.