If done correctly, they can be a very good way for you to secure a property you would not otherwise.If done incorrectly, or if you do not perform proper due diligence, you can end up with a nightmare.Before undertaking an MLO, you need to be make sure the numbers makes sense.

If the tile you have is cracked, that is a good indication that it was installed incorrectly and/or the subfloor is too thin/has too much movement.If this is a place you're going to have for some years, like a primary residence or one of your early buy-and-hold'ers, try and swing the tile.

I take some responsibility because when I saw little signs like high costs for Maintenance items, incorrect billing, etc...

Do you want your posture to be better?

The only difficulty they had was there was surplus funds once they sold and moved - which then needed to be put somewhere - so ultimately they did invest.There are a lot of financial illiterates who argue that the economic results of Buy and Hold are better than taking quick profits - which is completely incorrect, as you no doubt appreciate.When it comes to making money Passive Income is a mere trickle compared to aggressive deal doing!

Large companies billed incorrectly and overcharged for years. 

I went in front of the board with several different arguments showing the assessment was incorrect.  

If so, you're really reading it incorrectly.

I'm not saying they are incorrect.  

Now data from the census bureau or local state, county and city government is incorrect because you just happen to say so?