Turns out one was a computer gambling business and the other was an e-cig business.I don't care why the applicant doesn't want to tell you, but if I don't know the business, I don't consider the application. 

your day job also puts you in a good position to deal with tenants whom over the years I feel its like family counseling nad or child day care..

If it is obvious then a good appraiser should see it and adjust comps accordingly. you could also use this as a reason to lower the sale price, but be careful, if you try to renegotiate the seller has the right to walk away at that point also.

Meaning you took action and bought properties, as opposed to those who just give opinion without skin in the game. 

The US offers amazing opportunities for real estate investing, although you have to be careful in some markets that are really hot right now. 

Only 1 emphatically said that they were like family that took care of each other and that's the one I went with.  

My mom and 70% of the neighbors still take care of their properties and take pride in the neighborhood.

And if not, that ALL deferred maintenance will be taken care of by either the seller before closing or providing cash or they buyer in the 6-18 months after purchase.Lenders on larger properties will require that that happens.So essentially, if you leave out CapEx on your valuation you have to assume the property is in perfect operational condition.

I could use this to pay my lender, and then I'll be able to refinance in about a year to take care of the credit debt.

Would be curious to see the revised calculator if you care to share.