Your taxable income in Year 1 is in the top individual tax bracket, 39.6%.

Therefor you can find great cash-flow for less capital and lower competition from owner-occupants/flippers.Lesson to be learned is getting feet on the ground in those neighborhoods to understand the differences in product type and highest/best use.

I also feel like I should say that this contractor is booked, so unable to do the work, and came out just for the walk through and I felt he didn’t have any motive to be diss honest - he actually ended up not even charging us for the 2 hours he spent there.

Just use an individual name and you will be good. 

I find that sending people to a website helps to narrow down the motivations of people interacting with your ads.

Or, are each and every individual deal so unique that they can't be compared?

If that is what you are trying to do, I would say look at other banks, if they are saying it is not “reusable” like a credit card (or checking account) they likely aren’t aware of what it is you want and are offering you the wrong product.

Now that I have a marketing and sales business where real estate is the hard product, I often appreciate it when other people (yes even telemarketers) put effort into good marketing and sales training for their team members.

I think the trick also is finding a motivated loan officer.

They already introduced themselves, but I'd definitely recommend talking to them individually if you have any questions about the groups.