We add roughly 10% to the true cost and that cover consumables. 

Consumer prices rose 0.5% for the month, surpassing the 0.3% forecast, while year-over-year inflation increased to 3.0%, up from 2.9% in December.

Time consuming - if you have 10 applicants are you going to interview each?

As Jay mentioned they must be NMLS licensed if owner occupant of in several states even commercial needs licensing.The NMLS is like the database, each state has a division of banking that oversees lending requirements then you also on the federal level have CFPB as well as consumer protection laws.I want to add that I believe yesterday the CFPB is undergoing changes, but if it goes away that does not mean that many of the laws in place especially consumer protection laws would go away. 

Yelp issued consumer alert on them.

I have experience building my own DTC consumer goods type sites so I was planning to build my own.

I've litigated personal injury cases (plaintiff's side and ID), business disputes, commercial debt, consumer debt, fraud, civil rights, contested foreclosure, real estate disputes, and landlord-tenant cases.For the past year and a half, I have been spending most of my time digging into small business acquisitions.

So, there is even more risk.The things that you can do, include being properly capitalized, not be greedy, (in whichever way that may be defined in the county you are buying), know solicitation laws, know Dodd-Frank, the Consumer Protection Act, the S.A.F.E.

If I may, a lot of the issues we are running into with insurance is that consumers no longer use insurance as a catastrophic fall back but rather, they nickel and dime on small claims that compund into larger issues. 

No one wants to put in the effort, work, time and money, into a healthy habit or - for real estate - into a solid asset.