Downtown locations with excess inventory can be problematic. 

Of what I have explained above, what do you think is normal wear and tear versus excessive? 

By thoroughly understanding the underlaying principals, rather than "plugging" numbers into a web-form or spreadsheet created by someone else, you will better recognize good from bad deals (garbage-in / garbage-out).

The web interface could be better, but it works and is priced reasonably.  

I was able to get an increase from the housing authority but not to market rents.

My favorite author is Michael Lewis, who wrote "The Big Short" and "Moneyball" among other great reads. 

Even Gordon Gekko would think that this is excessive.

In the case of a short sale, the lender also must agree to pay the administrative closing costs.The Department of the Treasury, which authorizes all programs under the Making Home Affordable umbrella, has designated Freddie Mac as its compliance agent.The HAFA program is set to begin on April 5, 2010.

Is there some way we could put our wives into the companies so that they would have full authority to act in our stead?

These are typically family-run businesses with very few home sales within any 12-month period.HUD’s Express Authority to Review State’s Laws.