Their policy changes including price increases, charging for every little thing as an "add-on", complicated GUI and the lack of fixes of known problems (posted by their "community" on a Facebook Group), and super slow ACH deposits (which take 10+ days!)

I expect economic activity to slow, rate cuts to deepen, housing activity to accelerate and USD purchasing power to continue weakening.  

Cycles change.A few old guys still have some stories to tell, but BP's dying a slow death at this point.

I myself started in international banking; shortly thereafter decided that the income potential of banking was too limited with the “climb” too slow and the corporate culture too limiting.  

It's a slow and steady journey of sacrifice, living below your means, delayed gratification, and just getting the snowball rolling down the hill.

@Diaz Principe Nicolas I use Pricelabs to set general pricing parameters, build in a discount during the slow season, then tweak it occasionally according to the specific area.

I know that is not much of an answer, but I wouldn't say that one slow turnaround, one overrun and one poor communication indicates an ongoing problem. 

This is counter-intuitive to my goal - slow and steady save to purchase our first investment property (with more to follow). 

Has appreciation slowed? 

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.