Then OP finds out there's multiple bankruptcies, evictions, etc. 

We hired pros for that - those who worked for PE firms on the ops side.

The guru mentioned in the op, I've seen maybe twice on tv.

It matters when seeking financing.The blog might be made to justify selling a larger loan, LOL, I agree with Minh.Your return is really more to the weighted average of cash and financed amounts, so the OP's simplified allocation is not correct.There's an old saying, "figures lie and liars figure". :)

There is a good size laundry room that we will install coin op to help with additional revenue.

The OP's complaint about the hand held scanner is fair.

-The ability to quote a previous post-The ability to see the OP's post while you're replying to itThese are the two biggest issues that immediately come to mind.  

That's certainly not the case for California, and OP needs to check how it's done in AZ.Sheriff here doesn't do jack unless we get a judgment of possession, late in the eviction phase.

Another thing that makes me sick and contrary to my philosophies is; this OP is not even married and money is already causing potentially serious problems with his relationship.

If the savings were put into an account that earned 2% annually, you would have 3965.67 after 15 years.That gives you the following rate: =rate(15, 0, -993.3, 3965.37) = 9.67%These would be good rates, but not close to the 18+% rates mentioned by the OP, as it does not appear to account for the total loss of the cost of points.Let me know if you think I'm doing this incorrectly.