Awesome tip on the paperclip over the staple increasing the open rate. 

The spread is huge but the $90k guy will probably take 6 to 9 months of he can complete it at all and probably be $20k over budget and priced it for inferior box store products.

A great commercial local bank and banker that you know personally can open many doors I know it has for me.I am very old school. though.. other than having my account on line..

Don’t use online resources as a primary source of data to base your decision making on when investing in RE.

Getting involved with notes is a little tricky when you're first starting out... you don't want to get screwed over by diving in and trying to "learn from doing" but then losing money because you're not prepared and don't know how to execute, you don't want to get screwed over by paying $2k for a course that won't give you enough knowledge to be able to start on your own (and gives you info you could probably find for free online), and you don't want to get screwed over by partnering with (i.e. trusting) someone that you really don't know much about. 

start with local real estate meetings in your area and get tips and infor from networking events, that might work my friend 

Could anyone give me some tips about how to input the PMI in the expense side of the things on this online tool to better identify if this is the right deal for me?  

Ron Sohn I would try and troll local Meetup groups online in indy.

I have also gone through various posts and online but I havent been finding the actual numbers gameIs there a specific value calculator like Bob talked about?

Any tips or advice on this issue would be very much appreciated.