Although your message is from a while back, I'm happy to provide an update.

Do they provide exclusive leads, or are they shared among multiple investors?

No we don't believe or expect to get a 5 every time but we do as if we did as this help us all ensure that we provide the best product and service to our guests and we'll have the best rating we could, even if it's not a 5.

I understand that I need to account for taxes, insurance, and other costs—Should I go with a LML and then do a refi later on?  

Be sure to check out the free tools BP provides to help analyze deals you may have and also market insights.

The design was great, but they hadn’t accounted for the structural modifications needed.

My accountant was lazy, not well informed and provided bad advice.

Alternatively, platforms like Twilio provide excellent customization but might require more technical setup for Podio.

Just requested a property management account.

This 'consultative' approach means their business clients come in talk through problems and they try to provide a bit of outside business 'coaching' if you will, or connect you with another client who can assist.