So advise and/or references to the essential professionals is welcome.

Actually a lot of people on both sides of the aisle agree on these basic principles.  

I am listening to "Success Principles" by Jack Canfield.  

I've been really surprised to find that the rates are essentially the same regardless of LTV, and regardless of my other personal assets I am willing to guarantee.   

If you don't have a good thermal barrier between the attic and the ceiling, you essentially have a a heating element along the top of the living space that is eating away at your cooler air.  

I guess I should have said that the principles are ironclad.

Knowledge of the property It is essential that the estate agent gets to know the property very well, even before signing up the listing agreement, as it is this knowledge that permits him to calculate its value.

Essentially we left $200/mo on the table with the thinking that 1 tenant is easier to manage than 2, however our response to all 3 listings has been significant.  

Now take all that info and throw it into a PITI (principle, interest, taxes, insurance) calculator (google it) and you have you general monthly escrow payment you would be looking at.

For example, the most common cosmetic, or non essential, request we receive is to repaint a room - usually a bedroom - to a colour selected by the tenant.