Hunter gatherer, farm, with horse, mechanized, agricultural, energy, computers, internet communications and internet.  

When I took mine there were no computers and you bubbled in your answers on a scantron in an auditorium with a couple of hundred people as the test was only offered once or twice a month.

You're computing cash on cash return.

with the letter stating what I do in yellow computer print.  

And finally - if you wanted to analyze the deal just for the heck of it and could get one property address, in Oklahoma you could probably find the rest with a morning on the computer.

I get a little lost using the Tax-Assessor website for Tarrant county and don't know where I can find the info for all of the districts necessary to compute tax rates)Insurance: $55/monthMaintenance: $69/monthProperty Management: $116/month (11.6% of rent before vacancy - this includes leasing fees)CapEx: $183/monthEstimated Net Cash Flow: $166/monthCash on Cash Return: 10.3%Cap Rate: 12.2%1% Rule: 1.67%5 Year IRR: 10.3%10 Year IRR: 15.9%20 Year IRR: 17.2%(IRR calculations assume 3% rent growth, 2% appreciation, 2% inflation, 8% selling costs).

Sorry guys i will respond when I get on a computer.

The highest likelihood HMLs are local HMLs, as they'll have the market familiarity to be able to just obtain a BPO or even perform a desktop underwrite.HMLs with national coverage are very likely to require full appraisals for two reasons;1) It may be a formal stipulation in their underwriting guidelines.2) They don't have the specific local market confidence that a lender based in that city would have.You may want to try local REIA meetups.

Computer Science?

@jerry-Im not too computer savvy so doing it on excel or access would be difficult for me personally.