Focus on the lender fees, service (eg does the loan officer work “banker” hours or “realtor” hours), and loan products.

Great UI, intuitive and they are constantly improving their product.

Knowing that a particular market is productive is one thing, but knowing when it’s productive is much more important.For hosts looking to take advantage of peak seasonality, AllTheRooms Analytics has conducted a deep-dive into the holiday season in Orlando in 2018.

@Hugh Carnaha The good news for you is that there are some great commercial products available right now with rates closer to Fannie/Freddie than ever.  

Will this software always be for your proprietary use or will you roll it out as a product one day?

It's not for every ceiling, especially if you can see a lot of major flaws through the popcorn, but if the ceiling is in good shape you can really get a nice product when you are done.

This is a NON-QM product.

If you can add more detail to your question, I'm sure others can chime in more productively so apologies for the generality of my response. 

You could pick a product where you'd only have to replace the damaged tread like vinyl treads but it'd probably stick out as the shiny new one in a bunch of dirty old ones.   

Do some homework and you will likely find that making debt-financed investments with your Roth IRA will be quite productive.