Presumably your on site PMs function as your book keeper for each property or perhaps you have a paid book keeper?

I recently closed on a fourplex and literally only paid for the inspection out of the whole deal so the expenses are really cut back as opposed to other loan programs out there.

On the 21st CASH program, you can place homes with nearly nothing out of pocket if you resell them and about $6-$8k out of pocket if you rent or sell them on lease options.

Excel spreadsheets or some great program like Quickbooks?

All of the consultants I find our people you hired to do these functions for you.

With the federal stimulus and now the state Eviction diversion program it is delaying a potential slump in pricing.

Is investing in expensive beginner programs beneficial in the long run for RE?

If you learn ahead of time, your learning will be far less expensive unless you pay someone a bunch of money for an education/coaching program before doing some basic learning on your own.

Is loan to cost and not LTV a function of the times or should I refi out if this loan later?

We had a great 30 minute conversation with him happily agreeing to Mentor me, saying he is excited to get me going with his different investing programs and strategies.