My wife and I moved to Albany in 2015, and, as a hedge against extended Union strikes (I'm in telecom by trade), opted to purchase a 4-unit to live in instead of a single-family home.  

If your bank offers a business account with low/no fees, then you can opt for that as well.  

. - Have folks out there found that there is increased consumer awareness around efficiency? 

It's a kind of mindless "checklist" way of underwriting loans, and if your score is 1 point below the minimum it's denied and 1 point above is approved.If you know that you will be selling or refinancing with 3 - 5 years, then a more flexible "Alt" loan through a bank that combines a fixed period that converts to an adjustable rate is more flexible with regard to income and credit.Credit problems can be explained as a "one time set of circumstances that do not reflect ongoing consumer behavior."

It's not like residential financing where regulation requires consumer protection and you have more balanced terms.  

Alex you do not get something for nothing ,either you can go with your current plan or opt to roll the closing costs into the loan at a higher interest rate I dont know your credit score but the rate does seem high ,have you shopped around 

What's probably least understood by the average lay person, allowing a package rooftop unit to operate in this fashion merely serves to shorten its life cycle in addition to costing more money to operate since the unit is consuming more gas and electricity in attempting to heat and cool the building on its own.

It was time consuming and painful (for the shy folk) but was the most enlightening and informative exercise.

If you want to have one branded for netowkring/private investors and one branded for consumers/ "we buy homes" go for it.  

Free is good: if it can: (in my opinion)can reconcile all your bank accountview Profit & Loss by propertyview Balance Sheet by property cost segregate for escalating depreciation - tax savingsand pull all the details you needall the detail is in one placeEntering data into multiple places (software) is time-consuming and you are prone to missing details and errors.