Downloadable or SAAS?
byoung2: I would go SaaS only.  The ones who insist on having everything on their servers are probably going to be high-maintenance customers you don't want to deal with anyway.  Remember the 80/20 rule.  The 20% of your clients who want the download will take up 80% of your time.You have to convince them that SaaS is the better deal - regular, automatic updates, tight security, redundant backups, and reliable access - and they won't want to consider the downloadable version.You should prefer SaaS because you can charge them more in the long run if you get them dependent on you, in addition to reducing the setup time and effort.