You can't call up contractors or Consumer's Energy when you finally get a break at 1am from your studies.  

I want something that justifies my goals, and ambitions, while capturing my energy and passion for investment RE.

Have a productive conversation about what you can manage financially and how much time and energy you are able and willing to put into an investment once it's made. 

The idea is to get the idea across, not to come up with a silver bullet solution.

Has any tried less expensive online property management software other than Buildium or QuickBooks and it has the three bullet point features from my earlier post?

Take the cash thrown off by these and retire and start to build your bond portfolio at that point without biting the bullet on all of the appreciation and depreciation recapture from your hard earned efforts have yielded.5.

I want something that justifies my goals, and ambitions, while capturing my energy and passion for investment RE.

I'm invested in Exon Mobil, Atoms Energy and Harford financial which are all making good ROI so it's a huge toss up at this point.

If you don't mind I'll just bullet point your questions.1.

What we quote by default is YOUR scenario, not a "Walk on Water" scenario that's irrelevant to you, which is why the "quoted" interest rate by an internet lender will always appear better upfront -- are you putting 25% down, with a DTI below 30%, do you meet all those other bullet point assumptions, and (most importantly) wishing to pay more than two discount points?