The primary reason I keep debt on my long-term product is for the inflation hedge Will.

Many small businesses fail becuase they lack focus as the entrepreneur is saddled with activity instead on focusing on productivity (my over simplified recap).

You might have to do some serious searching, but there's probably at least one local bank in your area that is used to working with real estate investors and has the type of loan product you need.It sounds like your situation is pretty good (especially for a 20 y.o.!)...

I was like Vikram and had studied it a lot before I started interviewing and was happy with the final product.

So you get a red flag if you use an LLC - Does this go for all Freddie Mac backed products or just this nice one from Wells Fargo?

Being "busy" is not the same as being "productive".  

Are you just ensuring you offer a better product at a lower price?  

Don't dwell on it, and use your new-found mental and emotional freedom to re-make that money (and more).Disclaimer :  I am also set up as an affiliate with Lifeonaire so that I can earn commissions on selling their coaching products.  

They can't ship all product to all states due to state laws, but it's a good site and resource.

If the paint company uses paint from lowes or Home Depot, especially the higher end products from the "hardware" stores, they seldom get a decent discount and they pass that cost on to you. 5.) cheaper is NEVER better..