More time consuming but most counties have easy search tools.

You could drive for dollars which is a bit time consuming or door knock which requires a lot of patience.

Electric dryers and water heaters consume a lot of energy. 

It's a good place for consumers to start but it doesn't tell the whole story.

It can make reviews tedious and time consuming to look at all the nuances involved verses and standard lease with minor adjustments from tenant to tenant.      

--> the reason I ask: <-- It's fairly common for me to see a competitor's "quote" beat mine by 1.125 or 1.7 or so for the same rate, which is my ballpark starting pricing advantage minus the 2.125 that I'm hitting them with that the other person isn't, then I have to tell the consumer it's going to be "adjusted" by underwriting at the 11th hour, incompetence is more likely than malicious intent but that's how it's going to play out either way, and it's a total coin toss if the consumer believes me upfront or needs to learn the hard way (either way, I may or may not get this transaction, but I will get the next one, so I'm fine with either outcome tbh).

Finding properties through networking is time consuming at first (meeting for coffee, phone calls, meeting for lunch, emails, follow ups, looking at on market deals with brokers, talking with everyone...) but at some point it just starts snowballing.

The amount of damage is based on how much is consumed and size of the space it is consumed in.

I get pitched AiO like once a year, never had a consumer actually interested in it.

It removes a lot of perverse incentives that existed prior to 2008 & the rule coming into effect is why LOs pushing ARMs and trying to talk consumers into higher rates dried up overnight, now it's just all about the best consumer experience & rate we can get, relative to the scenario.Picture related, basically words of warning from people who THOUGHT they should be rate-obsessed, who learned the hard way that there's more to it than that (& to be clear, the people writing reviews share some of the blame, they self-sorted into this bucket of borrowers):