Robert, great question – I hear this a lot.The biggest underwriting pitfalls I see over and over aren’t the formulas, they’re the assumptions:Underestimating taxes, insurance, and utilities (especially after a sale when taxes reset).Being too light on repairs/CapEx – roofs, HVACs, turnover costs, and unit upgrades.Not stress-testing debt: DSCR at higher rates, lower rents, or slightly higher vacancy.Assuming rent growth and exit cap rate that are too optimistic for today’s environment.Having one “master” spreadsheet that tries to handle every deal type and ends up clunky and hard to trust.Most investors really need a simple, custom template tied to their specific buy box and risk tolerance, not a one-size-fits-all model from the internet.

@Maya Jones In Texas and Iowa, you can file an Assumed Name form with your county for a business name that does not contain your personal name, ie Griifin Wood Ranch vs Ballard Ranch.

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You can totally tell if a business cares just based on their customer interactions, social media content, customer loyalty incentives, and their ability to pay for THEIR mistakes. 

If you have base scenarios/models containing information ask it to save those for future reference. 6.

If str or mtr you might want to consider traveling nurses as a customer base to go after.

In Oregon their is an attorney but usually only one or two and they are at corporate headquarters and only handle things at a different level never with vanilla closings like in other states.The other prominent thing that is a big help in Or.. is the Customer service ..

But adjust for your customer or for a few dollars leave extra supply.5.  

They will prefer working with local clients who they know and who work with them on their terms, their payment schedule, and don't annoy them (contractors typically enjoy the construction side of the biz much more than the sales/paperwork/customer service side). 

Then you can refinance faster and pull out more cash for the next down payment.The Multifamily 2-4 unit is a very smart strategy because it offers the customer immediate cash flow once they move out and a mortgage paid off sooner.