Personally, I'm always curious if the person predicting the crash has sold 50%+ of their assets.

The painting contractor leaves some behind for attic stock.

A 45 day lock is more expensive than a 30 day lock since banks can better predict what actual rates might be at closing from what I've been told.Any advice would be greatly appreciated!

Look at external metrics like stock market, interest rates, supply and demand of homes, I'm basically looking to avoid the crash as in 2008.

Performa predicted cash flow: $732/month!

If the window is single pane they should have something in stock to fix it right away.

As for property appreciation it is tough to time the market (similar to trying to time the stock market).  

I even put this number next to a 7% growth in the stock market to see how it would compare and most properties peak in their difference over the stock market around year 12-15 on a 30 year loan.Do you include the loan paydown?

Some trust real estate, some trust the stock market etc. 

@Daniel Saunders,Get familiar with how to raise money from people with self-directed retirement accounts, or folks with retirement accounts who are looking for better returns with less volatility than the stock market.By definition, private lenders are people with whom you have established a relationship before discussing money.