These loans are short-term as you mentioned, typically 12 months, so you'll need to refinance before that balloon comes due.

(The typical commercial loans I use are at 9.5% right now so be prepared for that.)4. 

It’s typically all of the work to get numbers to enter on the return!

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, 1-3 years for positive cashflow, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, immediate cashflow and at the lower end of relative rent & value appreciation.

I am swamped right now with my rental renovations & furnishings I am finishing up plus I typically work late, so I haven't been able to make it much lately.

I am grateful that you shared this, because I do think a lot of these gurus, while generally having good intentions, are typically very naive and lack experience to truly teach anything.  

I am not typically litigious, but this situation is unacceptable.

These are what we call "A-class" markets—areas with strong fundamentals, high demand, and typically excellent long-term appreciation.

The cost of a cost segregation study varies but typically ranges between $1,000-$15,000.

Typically these repairs are mostly cosmetics.