I have used numerous brands over the years with varying success.

Definitions will vary, but when it comes to apartments, some general rules of thumb:Property TypesClass A: Built within the last decade OR older property that has been very nicely renovated/well-maintained and is located in popular neighborhoodLots of amenities (doorman, security system, washer/dryer inside the apartment units, stainless steel kitchen appliances, on-site gym, doggy park, package room, reserved parking, etc.) 

@Josh Cook contractors are hard to find and often you need several since their workload will vary and they won't be available when you need them. 

we have 3 facilities of varying sizes and our late fees typically run between 1-2.5% of total revenues.

@Steve Selvaggio If you reach out to a hard money lender, they'll give you their qualifications...which can vary. 

You can ask if they work with multiple AMCs and if the fee varies at all, but ultimately the assigned appraiser needs to come from one of their AMCs or in house appraisal desk.

But, I believe almost all banks will count the cash value of the policy as an asset but to what degree it will help you to qualify for your loan could vary from bank to bank.

Typically, high-risk trades that are almost akin to gambling fall under the umbrella of speculation, whereas lower-risk investments based on fundamentals and analysis fall into the category of investing.

The answer varies. 

It can vary from 6 months for some, 12 months for others that they want to see payments being made on the property before they will lend on it.And then there is the "honor the rent to own tenant at $155k."