I mainly work on commercials, but have done everything from music videos to tv to small independent features.  

I’m mainly just curious and want to get more insight.

I will say, as a programmer, I built my own system that was comparable (better in some ways, not so much in others) in many ways to Dan's, but I didn't have online access to the Upset Bid sheets and that was a significant factor in my using his service.

The settlement charges consist of 2 main categories: closing costs and prepaid/escrow items. 

@Vivian Huang I just went with one co-signer - the main breadwinner parent.

The HOA's are definitely going to play a big factor in my decision making.

Is Cash on Cash your main metric or is it cashflow or something altogether different?

I'm with Listing Leaders (main office just moved to Merrillville to be more central).

I am a CPA as well, although these days I am mainly working as a real estate agent.

That should be a discrete cost line item and factored into the ROI, as most of these costs will be capitalized I imagine.