My decisions and math regarding whether or not the ROI numbers made sense were based on the disclosure paperwork the Bank had provided.

Always do your homework on someone and never assume they are good at what they do, set expectations and find out how he plans on find the right properties for you.

I’ve gotten quotes significantly different on adding additional properties so I was unsure why that would be the case but seems it may just require a little more homework to understand the differences from one company vs another. 

There are pros and cons to many of these, find help, and do your homework.

Is their an odd vortex of math I am not aware of where if you were wrong several times before it then makes this one right?

My escrow account keeps coming up with what seems like fairly large shortages.I'm not very good with math, and I've tried going over the escrow statement with my mortgage company, and I've walked away even more confused. 

Do you feel a computer/math person in California will have that answer?

I think it is fairly likely that this deal is not going to cash flow for you so please do the math correctly before committing to this.Happy to help if you have questions along the way!

Either go through a trusted lender who can do the homework for you or search out smaller, local banks.

AffordabilityDo your homework, and if you find a great market before others, you'll be set for life.