It looks like Silicon Valley job growth has peaked and is decelerating, economic conditions are declining from cyclically elevated levels, the stock market drop cannot help, and the CA leading index looks like it tends to towards the end of a cycle..

Beal and his team to clients in the past and they are happy with the level of their professionalism.Tony

It will take you to another level.

If I am at any of those levels, that is just what I need to to do to get the business.

Concrete:  $75 a yard installedBrick:  $.50 per brick installedpainting:  $100-150 a room with trimexterior painting: $1800-$2500new hvac : $2300new window:  $100-$150 for standard sizes x 2 for installdrywall : $12-$18 a sheet finished (depends on finish level and size of sheets)tile: $5 a square foot installed (add material cost of between $2 and $10)basic stainless appliance package : $2500hardwood $2 a sq. foot installed $1 a sq foot to refinish (add material cost of $2 to $10)plumbing:  $100 per fixture to install and $100 per fixture rough-inelectrical: priced per outlet and per fixture for both rough-in and installTotal rewire of house:  $3K-$6Kupgrade electrical service:  $800Total replumb of house with pex (no slab): $2K - $5K10x10 set of cabinets no frills:  $2500, about 1 day for a capenter to installcountertops: $1500-2000new roof:  $5K (metal including materials)deck:  $2K-$5Kbulldozer/bocat:  $80 an hourdumptruck:  $1.50 per mileCarpenter:  $35 an hour low end + $10-$15 an hour for helpers. 2 carpenters can frame an entire house in less than a week.  

Thought there may be a way to dig deeper into this.

I would also look at the skill level you both bring to the table.

I was shocked on how much I didn't know (after being in the business for 15 years) that  would help me build my business to a big level.  

I failed at some levels with screening with my first tenants. 

Lenders will expect a certain level of experience and expertise from the borrower(s).