I used to lose business once in a while because a competitor had a "better rate," but the consumer didn't realize it was an ARM - so I guess someone that likes to sneak people into ARMs would/should prefer the old disclosures. 

I used many review sites including @Jay Hinrichs turnkey review.

Your not really going to double your closing costs....some items yes, but many are bases on price, including PMI which should be the same.

3 apartments - probably a C+ to B- building in a C location:#1 2BR Rents for $600 currently#2 1BR Rents for $480#3 Efficiency rents for $500.Apartments 2 & 3 are on the same electrical, so their electric is included.

but a lot goes into analyzing a deal, including: $/SF, Average Days on Market in the area, how easy or difficult it is to get permits in the area, how long the flip would take, comps/ARV, Rehab, Rental Rates, how the area is trending, holding/carrying/hard money costs, closing/commission costs etc.If you can analyze the deal, you can then negotiate the deal with sellers, buyers, and lenders.

Financing assumptions are a 30 year fixed rate mortgage with 4.25% APR and 20% down payment including rehab cost.

Consumer protection.

But if you marketed the property that "all appliances included", then that is a different situation. 

If I have an attorney at the hearing can I include the coat of that in what they owe me?

Have tried to vary my investments, a couple of funds, a couple direct, and includes multi family, office, industrial, retail, medical office.