Many of them are different variations of the following:Scenario 1: 30-year fixed amortization for first 5 years, 10-year term, 80% LTV with interest readjusting at year 5.Scenario 2: 25-year loan, 5-year periodic revaluation for the life of the loan where the interest rate is adjusted or the loan is called. 75% LTV with personal guarantee.Is it possible to get a 20-30 year fixed amortized loan that has full 25-30 year term, that’s non-recourse at 70-80% LTV?

Some recommendations I would add:- For any platforms that offer a free trial, take advantage of it. 

The government deficit is so high that the only way to pay off the debt is to stoke inflation, so that the government can pay off its debt with dollars worth less, in purchasing power, than the dollars the government borrowed.All said, regardless of short term variations I believe the major trend will be higher price tags for property and rents, and a declining ratio of debt to value over time for whatever properties you hold.My plan is to take the long view, keep looking for good investments in good areas, and sell properties in areas that legislate or regulate in a manner that tells you they don't value what you bring to the market.Good hunting.

Real Estate Activities Requiring LicensureIn Florida, it is unlawful to engage in the following real estate related activities for compensation without possessing a real estate broker’s license or sales associate license.Advertising or marketing another person’s timeshare or property for compensation.Auctioning or attempting to auction another person’s property for compensation.Buying or attempting to buy real estate on behalf of another person for compensation.Listing another person’s timeshare or property for compensation.Operating as a real estate broker or sales associate without a license.Renting, leasing, or attempting to rent or lease real estate on behalf of another person for compensation.Penalties for Unlicensed Practice of Real EstateThe crime of Unlicensed Practice of Real Estate is a Third Degree Felony and assigned a Level 1 offense severity ranking under Florida’s Criminal Punishment Code.If convicted of Unlicensed Practice of Real Estate in Florida, a judge can impose any combination of the following penalties:Up to five (5) years in prison.Up to five (5) years of probation.Up to $5,000 in fines.Defenses to Unlicensed Practice of Real EstateIn addition to the pretrial defenses and trial defenses that can be raised in any criminal case, specific defenses to the crime of Unlicensed Practice of Real Estate are:For Sale by OwnerA person who personally owns real estate or a timeshare may sell, rent, or dispose of the real estate or timeshare without being licensed.Likewise, a person may buy or rent real estate for them self from another person without being licensed.I HAVE NEVER SEEN AN UNLICENSED BROKER THAT WAS NOT VIOLATING BROKERAGE LAWS.

Usually  the applicant  with the story has history  in surrounding  counties  under several name variations  for eviction  or warrant-in-debt filings by previous or current landlords.

It's well priced too with a free trial.

I signed up for a trial with Xero and my initial impression is that that it seems nice, but it's a totally new platform I would need to learn and I would need to adapt all the Quick Books tricks you kind folks have taught me to their system.

Almost all of them offer a free trial.

And most have a free trial period.

Most also offer a free 2 week trial.