These past few weeks I have been just consuming as much information as possible and learning as much as I can, going through all the trials and tribulations of a "newbie" but have expedited my knowledge through bigger pockets, and for that I'm thankful.

Ally tried to hold a deposit of mine for 21 days once and the chic quoted some law saying it was mandatory, I looked it up, read it to her (and it was pro consumer, not the other way around) and she still couldn't figure out what she was saying was total BS. 

Hi Brian,I am not sure if "Podio" has a language option, but it was discussed on a recent BP podcast and it is available at no cost.Worth checking out.I believe it is cloud based so they may be more efficient way at adjusting to consumer needs.https://podio.com/

Also be advised that if you sell to an owner occupant, the loan is governed by Dodd Frank and the Consumer Finance Protection Bureau guidelines now in place. 

And even when it's not, it's time-consuming.

Go to our settings page for the forums at: http://www.biggerpockets.com/profile/signature and click to show your enhanced signature.

Not selecting one of these can and usually does make the contractor process difficult, time consuming and tedious. 

This steering is "why discount brokers and for-sale-by-owner transactions have failed to steal sales from real estate agents" sauce 2Disruptive innovation will benefit the consumer as it has with travel agents, classified ads, stock brokers, and car dealers.

@Wayne Brooks Nothing worse than typing a nice detailed time consuming response and then somehow it just disappears!  

Rule says half you rents are consumed by operating costs.