This is good so you are not losing a future sale for instance to a property manager, and is good for your back end buy out.I am curious if that is why James does PM, or if he has other reasons.

As famously explained in The One Thing: "Put the man together, and the world falls into place."

Free credit scores for instance from your credit card are not the same scores lenders use.

Insurance companies hate bad faith claims because they can include punitive type damages and in most instances will do what they can to avoid them. 

@Jessica PrunkThe location does matter in your instance depending on what service you decide to use.Some services have the option for the tenant to pay directly for the report.Other services have no tenant involvement but then it's on the landlord to pay for the reports.

My formula is simple if I decide I need 20 units to be financially free well I'll keep going until I hit 25 or 30 then stop and turn around and sell off my extra 5 or 10 to pay for the 20 I initially planned on but, who knows.... plans change, life happens, and your needs and wants change as you go along so you have to factor that in ( the long-term goal).Sometimes numbers and ROI are minimal if what you're about to do is 'life-changing' for instance maybe along the way I'm stretching my investment dollars for the highest returns maybe targeting 20% or 30% ROI with as little of my money on down-payments as possible and that IS supper important HOWEVER, if I'm at doorstep of a 'life-changing' action or a purchase which will change the game you better believe that ROI and other numbers are minimal at that point if my analyzes shows me that by putting down 30%, 40% or even 50% will decrease my ROI to 5%-8% but, will increase the cash-flow of the investment to boost me past the financial freedom line, of course I would do it but, it all depends on your goals. 

For instance, if the market is on fire for a partial time of the loan, that's potential money that they're missing out on correct? 

I have been repairing appliances for many years and there are very few instances when an appliance is not worth fixing unless it is so old that it is an eyesore for the tenant. 

For instance, I've committed to make at least 1 post/comment on some form of social media per day (with the intent of talking about business).

For instance, Google was an accident, they misspelled it unknowingly.