I computed your P&I payment around $2100/month.

I'm a 19 year-old sophomore with a major in Computer Engineering at the University of Maryland Baltimore County.

This is the property listing. http://commercial.century21.com/listing/617-sumner-ave-humboldt-ia-50548-REN008974124As you can see the current business is a computer repair shop. my initial thoughts where to convert the area into a small cafe.

Well, one thing I'm not is a computer type!

I found that the IRR formula was exceedingly complicated and while I could use a computer to find IRR, I dislike following methods I can't understand.

But even Quickbooks Desktop is pivoting to subscription, so that's declining.Maybe you can get Freshbooks to work?

Definitely do not use apps for this...they are using computer algorithms that are usually wrong - get the real numbers if you're serious about this.Use any good CPA for your taxes, have a meeting before you get started so you can keep your books correctly, etc....

They don't even own a computer!

Finally got to an actual person and conveniently her computer is down and she gave me the impression she was in a hurry to get rid of me.

It depends on the property though, for easy to value homes (subdivision with other similar models that sold recently and have consistent pricing) the computer will value and make the offer and send it out instantly, for more difficult homes humans will do the value and are supposed to send it out within 24 hrs but sometimes they get behind.