For the last example, you spend $3K to put all the mailers out, so you would spend $3,000 to get a return of $20,000..

Or you could end up spending more time than just doing the work yourself. 

Let me get this right, you are going to go to school and spend countless hours getting a masters degree so that you can get a promotion for a few years so that you can quit that job and work for yourself??

I end up spending 20k more than I expected.

We are firmly in the performing note camp and spend only a handful of hours on each loan from beginning to end.

Get a gander at your competition and see what they are offering and take it up a notch.You might check Fiverr or TaskRabbit (not sure for interior designer) and see who is out there.They should be able to help you out remotely and without spending a ton of dough.

It's soul-crushing, and no one should spend the bulk of their lives dreading going to work.

You spend a lot of time and money having people do this work, and at the end of the day you don't net any more income compared to a long term rental.

However, between the layoffs and back to office orders, it changes how people spend their money.

Hi Robert, I always look at the rehab and deciding what I can do vs the opportunity cost of spending my time elsewhere.