Having those 4 units vacant and in need of repairs might translate into less desirable terms, though you can always refi, just double closing costs 

You can expect about a 4% response rate, which based on a mail list of 650, translates into about 26 responses.

I will qualify that last statement with this, I am still learning how to translate proforma into English. 

I’m all about building relationships, but if I’m building relationships that don’t translate to dollars, time is wasted.

I think what you might be meaning/ hearing  is that there is a 1% loan fee  adjustment for a 2-plex  versus a SFR ..this would translate to a rate  differential of  approx. .25% - .375%

Assuming I'm not the only one, this would translate to $600 a year in increased rent, possibly lower vacancy, and increased resale value.

Being a numbers guy translating an arbitrary % to "occupied months" is shifting my paradigm.My dumb question: what math/inputs are you using to translate 3% vacancy to 333 1/3 occupied months?

If the property notices were not given, the 180-day redemption time period can be extended to one year.Aside from issues related to the particular property foreclosed, lenders have differing needs that translate to different time periods before listing on MLS.

I don't know if that translates to a drop in property values, a reduction in rent rates, or what. 

They will need to have someone translate it.