Was there a noticeable difference in your occupancy and guest ratings that you attribute to the professional design?

If there is something that needs a licensed tradesman, he has plenty of connections and it leads to reduced rates.  

3) If I can find a private money lender to do a 2nd mortgage, they will need a high interest rate.

Neither property will be cash flow by the time we are moving out (unless rates drop dramatically and we can re-finance). 

I have seen some great deal in and around Dayton as well.This year will be a good year as rates start to come back down we took a little hit last week but should start to drop by 2nd quarter.  

Guarenteed payments on the 1st, keeping up with market rates and mutual interest between the tenant and landlord to keep the property in good condition and to keep the tenant living there. 

I am looking for a fillable rate sheets to enter owners rates for them to approve?

They indeed got a response-rate of close to 50%.

Qeustion: Without a 35-40% down payment, would it be advantageous to buy down the rate? 

You would realsitically to do that need to become a solo broker to do so....however, then you need to sign up for your own e&o insurance policy and your Bright MLS dues would rise (you get a discount for being a Realtor), so in reality you would not actually save any money.