Some HML may be ok with desktop appraisal/BPO compared to a traditional lender.If you are doing renovation then the draw process i find private lenders to have more flexibility in regards to draws and number of draws. a HML is more convenient but you will pay for convenience. 

Not saying you did, but often people love to quote the cashflow but conveniently leave out capex, which can be considerable on a bunch of individual houses. 

Leaning towards staying the course and just holding onto it as a long term investment.Let's say I do plan to hold it, what value do I give the CPA for depreciation? 

From an initial impression, this makes the process of long-term investing much more convenient, and the only fee (apart from regular agent/lender commissions) is the property management fee!

Can you contact me on my cell at your earliest convenience please and thank you!  

Also their offices are within a few miles of my property so it's much more convenient.

Is the convenience and value there to justify the extra over the competition?

So if they are leaning towards more protected, private credit type offerings, then you will have an easier time raising.  

a dscr loan product would be best for you . they are most convenient 

And you conveniently ignore everything I said on Terms sales....