For contractors, it's a pain because they don't get paid until work is done.

Adding the drywall layer will make all your doors and doorways a pain even if you're replacing every window.

I can imagine trying to get through is a pain, I appreciate it 

Refi costs will be $3k + pain and suffering. 

Present a problem, build the problem up to a pain point, and then offer the solution that solves the client's pain.  

I'm not trying to be a pain and trying to state it without looking like a troll(very hard on the internet sometimes), but what I was saying is defining hard money is hard, and being licensed is not 100% necessary depending on location. 

I have had multiple people come to me from BP after dealing with the slow and painful loan processes of MACU.

Appfolio (what we use) is a pain to set up but like you, once it is set up, works great.  

This has probably been the biggest pain point for me looking at deals online and not knowing if I can improve the properties to raise the rents. 

It can be a bit of a pain to remind and chase after water bill on a quarterly basis however, I personally recommend keeping the bill in the owners name.