Needless to say I was quite underwhelmed.

One neighborhood junkie would need less than a minute to pop that little lockbox open. http://fox40.com/2014/09/16/real-estate-agent-finds-squatters-in-for-sale-home/Having a lockbox on a wholesale deal definitely gives you ease of access at your convenience, but in my personal opinion, that convenience isn't worth the liability of something happening to the property while i was responsible for access.

Nor does needlessly bidding up your competition without the intent or ability to perform on a real estate contract. 

newer properties need less CapEx)Other things to consider are age of property, category of property and neighborhood (A, B, C, D).  

Higher class properties with higher income tenants probably need less reserves than say someone who owns a bunch of D class properties where their tenants may be at risk of taking advantage of the eviction moratorium happening in many places.I wouldnt be afraid of ARMs per se. 

And then I found an article with his previous name , and needless to say it was a real big NO .

Needless to say, we didn't get the price we wanted for the rent.

Need less of a vehicle because $5500 is all you have and you'll have to put it all on a credit card?

But, probably needless to say, you'll notice that risk is often offset with higher interest rates. 

Is this making it needlessly complicated or paranoid?)