The benefit of using an open input model like excel is that you can adjust prepayment levels of the loan which if the loan is purchased at a discount will have a direct impact on your IRR.  

About your interest in my market: Brazil has entered into a recession and is now fighting against a political crisis, where congress and president can't agree on fiscal adjustments that must be made to "stop the bleed", Not to mention that currency devalued over 50% in the last 18 months (think of inflation in a recession environment), unemployment rise, and interest rate up at 14.25%, hence credit became scarce and expensive.In this light, construction industry, that represents 10% of our GDP, is among the ones that are suffering the most: prices going down, growing unsold inventory (24 months in certain zip codes), etc.

The unparalleled climate and limited land is what often drives the demand in our RE cycles.

You should then adjust based on how your finishes and updates compare to the rest of your area.

If your model requires a license adjust it or get a license agent on your team thats not hard.Last time I listened to my attorney tell me I was right and the state was wrong it cost me 50 large...

I was told by a mortgage banker that this is due to an adjustment made to the Truth in Lending Act in October of 2009 preventing creditors from making higher than priced mortgaged loans. 

Not really sure about banking climate in SF.

I think in a dry climate it wouldn't matter but in a humid climate you would either bring in a lot of moisture in the basement or into the house that then gets conditioned with your AC before drawn into the basement.

Homeowners facing property damage have turned to Adjusters International to help them rebuild their lives.

Originally posted by @Devin ScottI do not have any experience with this; however I do know that, down the line if you would like to dispose of one of your properties you will need to know your adjusted basis in the property to calculate your tax obligations.Therefore, you will be able to go to that property's account, basically run down the line items, and calculate as you go.