I've had particularly bad luck with US Bank in the past, they had terrible customer service and too many nickle and dime things that just irritated me. 

Prices have dramatically increased in the last year or two, but look to be stabilizing.

What is not plausible is that paying down a mortgage is increasing cash flow.

As new apartments open across the city in record numbers, vacancy rates have grown, rents have stopped rising and landlords are offering an increasing number of freebies to get tenants in the door.For years, the Seattle rental market was so heated that renters would constantly monitor online listings and quickly show up to available apartments with checkbooks and references in hand.

customers I hadn't planned on acquiring.

While it's great that unemployment has gone down, average wages have gone down more than 1% meaning people might have a job, but those entry level jobs don't really pay muchInventory for home purchases are significantly depressedDepressed inventory is creating higher prices (the old supply and demand)Increasing interest rates are also hitting people's debt ratios, so where they were able to buy a property last year with a 50% debt ratio, that same property has gone up in value and there has also been about a .5% to .75% increase in the interest rate. 

Not sure why it would increase

I am afraid if I ask the company from references, I am not going to get any unhappy customers LOL.

., and finally Connections/ Pixel targeting which can be page likes, website views, custom audiences, etc...

----------------------------------------------Year: 2015Type: 3 Family (3 Floor Thru's with a Garden), BrownstoneLocation: Bed-Stuy, BrooklynPrice: $1.35 MillionRenovation: $30k2018 FMV: $1.65 Million for an increase of $1.65 Million minus $30k minus $1.35 Million = $270kCash Flow Increase from 2015: over $600 per month increase.