Where the models have the most trouble is with home equity lines of credit (HELOCs), as that loan could be open and have a zero balance, or the borrower could have used the entire line.Overall estimated equity is a great tool for narrowing the field to properties that are likely underwater, owned free and clear, fully encumbered, etc, around which many real estate investing strategies, including most creative financing strategies are based.

Example is if I am at 80% LTV on asset I may be at 1.35% DCR but to go to 85% or 100% LTV if permitting, I would personally need a much higher DCR depending on risk as viewed from a market and property level, as an example I would atleast 1.50%-1.75% DCR.Some people may look at it like the above with Debt Coverage Ratio (DCR) on the individual property level or they may look at it from DCR as global cash flow perspective with all personal income, business income, properties, notes, and other investment cash flows or cash flow activities net at the end of the day and stress test that to make sure the debt provides enough mental, emotional, and financial safety for the given increment of additional risk by borrowing X dollars.I would love to hear other views on how debt is managed or how debt preferences are formulated.

Recently, both CNN and CNBC released lists of their favorite financial apps (access the CNN list here and the CNBC list here).A few apps that we found interesting are:SavedPlus – Gives users the ability to transfer a percentage of every purchase into a savings account, making saving automatic.Simple – This online and mobile-only bank charges no monthly fees and provides robust budgeting tools and mobile money-transfer options.Spendee – Has a simple interface that gives users an at-a-glance way to monitor their budget.Wallaby – Helps maximize credit card reward potential by alerting users to which card to use when shopping.

The § 9-102 refers to NFPA 101: Life Safety Code as adopted by the State Fire Prevention Commission.

I need to touch base with them, though, so I'll update the thread if there's been any changes.The FDIC Institution Directory isn't the easiest tool to use, but it has a wealth of data about banks.  

This will be my safety net and my real life experience in the coming years.Cordially,Z

Almost always gets them clean without having to use special tools or clean each slat by hand.

Any tips/tools/websites out there that y'all use for market analysis or tracking trends in an area?

I suggest reading "Crucial Conversations: Tools for Talking When Stakes Are High" by Kerry Patterson  and "Guerilla Marketing" by Jay Conrad Levinson.

Looking for a good deal analysis tool.