@Andrea Hauserman @Cleveland M.For HELOCS on NOO I have had great success using PenFed CU. 80% LTV, quick and easy with a desktop appraisal in most cases. 

The reafco guys all sit around together in a room, and when someone posts here mentioning "Columbus" an alarm goes off and they all rush to the computers like firemen. 

Back when I got my license, there were way fewer distractions on the computer.

Just to be clear, I am not recommending you fake your hours, but some people prefer reading a PDF on their phone to sitting in front of a computer clicking next.

Hopefully you have the right tax guy that asks you about your rental expenses like your cellphone, your internet, your computer, anything else you use to run your business. 

Here is a list of a few that I find to be of most value:Population TotalHome ValuesHousehold IncomesPoverty RatePopulation AgeRental Vacancy Rate*Homeowner Vacancy Rate*Educational Attainment Rate (High School/GED & Bachelors)Number of Housing UnitRent to Income Ratio*Rent to Price Ratio*Population on SNAPS (supplemental nutrition assistance program) percentageProperty Tax Rate*Median Age of BuildingsNumber of Structures by Units (SFR, Duplex, Triplex, Quadplex, etc...)Median Rents by Number of BedroomsPopulation Change (Births, Deaths, In-Migrations, Immigrants)  *note that some of the metrics are composites that are computed by comparing two or more variables from the ACSA number of the variables above can also be broken up into cohorts, which will give you even more insight into how an area is doing.

For me, I prefer going to an in-person class rather than reading pdfs on computer screen. 

That's fine for the company if that's how it want's to do business but bad for the insured who winds up with a claim because of a defect in title that wasn't caught because of a truncated search and exam.Then, with the introduction of computers, companies decided to buy the data from the counties and dump it into proprietary databases. 

I ran all my numbers with a hand held HP pocket calculator and a legal pad.I jumped on computers and programming spreadsheets as soon as the technology arrived and have evolved with it ever since.There is no doubt that many of the time tested methods work and should be applied but I believe that also holds true to embracing technology.There is nothing wrong with using it and everything wrong with placing too much confidence in it.Having the ability to create and employ a robust pro forma model is a critical skill set in my underwriting and managing a project.The problems that may come from doing spreadsheet analysis come from poor use, faulty data and a penchant to believe one’s own BS.

Unfortunately, the numbers stated in the post don't compute for a sustainable business model.