We recently started playing board games again as adults and found there is a whole world of European (or Euro) style board games that are a lot more fun and sophisticated without being too complex.  

In making the buy decision, I focus on end result, not the starting point.This is a more sophisticated perspective which escapes most newbies.  

There may be more sophisticated programs (some that may offer analysis of each property, etc) but QB is fast, easy, and I can run several businesses and accounts with the program.

Not all banks will do this some banks will have overlays (extra guidelines) that they add on top to reduce the banks risk of lending to newer borrowers who may not yet be sophisticated enough to handle a mortgage.I've utilized this for conventional/FHA/VA so its nothing new.

@Ibrahim S Our son uses a very sophisticated program to draw our plans.

If you are borrowing from a sophisticated investors, then they would expect close to 10%, but if you are borrowing from family or friend that have money sitting in CD, then 5% would be reasonable.

The general idea about sophistication level of the buyer sort of drops (in layman's terms).

A flyer has as much sophistication as an invitation to an ice cream social at a church, or a donation to the school sports program for a car wash.The letters I receive inviting me to investment seminars from estate planners and investment brokers are on stationary, not copy paper, much less some garbage colored letter.

A few months ago I was talking to a friend who is not super sophisticated when it comes to real estate. 

Commercial = less leads + more "sophisticated" buyers and sellers + numbers are bigger + longer to analyze so people move slower + inspections cost more = slower decisions and less closings per year. 3.