I'm accustomed to working in Excel and find this much easier to follow than the financial calculators!  

There are many wonderful people here that are excellent to network with.

As in the US, very few buyers will buy a property online - most of them will engage a team that knows the market, neighborhood and can provide excellent service.

That's tough to say.A 6 unit would be considered a commercial property and likely will have a higher interest rate as well as require a bigger downpayment.Usually they want you to wait 6 months to refinance.I don't think you will get a 4.5% interest rate unless you have excellent credit as well as a good percentage of money down on the loan.  

Our strategy is only possible if you have a great credit score/excellent limits on the cards, and also-- my partner and I do 90% of the renovations ourselves.    

My personal Docter had been telling me for about 30 years that I was in excellent shape and my chiropractor saved my life with suggesting I get a head X-ray that is called a MRI.  

Interest earned by an IRA as a purpose is excellent.  

He is an excellent carpenter.

I have excellent credit, but no experience.  

Hopefully excel to allow slicing and dicing of the data.