This gets complicated and is not a DIY project.And, depending on the specifics, various other limitations can come into play.

I feel Hard money lenders are more logic based and rational people.

Property taxes are determined based upon the property’s assessed value that is determined by the public tax assessor.

Vice versa, if you are just starting out, you might want to be more conservative to tackle any unexpected expenses that arise.The 70% rule is an industry standard, but that doesn't mean you can't adjust it based on your desired ROI.

If it was about buying properties, it would be called "collecting".Assuming a property that is good for both, one simple way (the best way) to see which is best is based on comparing the potential profit from a flip to how many years it would take for the potential cumulative CF to equal that potential profit. 

Many of these financial advisors make money based on the portfolio and/or trades made.

The amount is based on youngest age of the borrowers. 

According to my calculations, using Brooklyn's property tax rate of 0.78%, the tax should be around $354 per month based on taxable value of the property, not the $716 estimated by the agent.

It is not in my nature to go out and give bad reviews, but I feel obligated to warn people about a group based in SoCal who sell rehabbed and rented properties in Alabama.

There is some amazing opportunities for rentals based on the area.