We all agree that technology is moving faster.

If doubling the estimated time puts us over the "time budget" then we'll have a discussion on how to scale down the project (by simplifying the design, changing the size of a particular build, or switching to a faster-to-install material).

After weighting my options, I think it would be wise to move to another market and try my luck there.

When things run up this fast they typically crash even faster

Furthermore, I feel comfortable with PFF even though it is heavily weighted in issues of financial firms because if they were too big to fail in '08 they certainly aren't going to let them fail now.Hard money lending is another option if you find a competent and experienced debtor.

Does this mean my wife can sue Jenny Craig or weight watchers because their program didn't get the results she saw on TV?

My strategy is to ask at market or a little below market so you can rent it out faster but more importantly have more applicants to pick from so you can cherry-pick the more desirable tenants 

Certain employment percentage has a faster turn over rate, that percentage is substantial.

The taxes might go up annually at a faster clip than you can increase rent eroding returns further.

Each of them have their own scoring model and algorithms to weight your credit information and provide a number, your "credit score".