As mentioned the SDA by Michael Blank is pretty straight forward or the model by Corey Peterson is also an easy starting model to use.

Very straight forward, honest people.  

If I were to go the route of REI without a college education straight out of high school... what are the prospects of that?

It seems pretty straight forward, but since this is my first cash-out refi, am I missing anything here? 

They are what they are and what the tenant is paying for.You need to draw a no compromise line in the sand and teach tenants from day one or you will end up being owned by them.When they ask for something either give a straight NO or tell them they will pay for it.

He's showed that he can pay on time for 3 years straight so I think he deserves the benefit of the doubt.

Linda D.I've worked with my realtor for 3 years now and she's a straight shooter.  

@Vijaianand Thirnageswaram Not sure why you are jumping straight to a portfolio loan. 

We paid it straight to the policy holder because the work was already done.

Depreciation has several CLASS tables with different rates for each, used for things like appliances vs kitchen cabinets.The property per say is 27.5 years and is depreciated using Straight Line (simple average applied each year) or a Double Declining Balance method.see https://www.irs.gov/uac/about-publication-946