I hope I don't see you all over these forums one day insisting you did it all by yourself and telling people who aren't as fortunate as you were that it's all about pulling yourself up by your own bootstraps no matter what your personal circumstances.

@Johnny McKeon I locked in a 7.75% rate several months ago and unfortunately closed on it with a prepayment penalty about a month ago.

Unfortunately it does not work that way.  

Even if I were to collect the late fees it doest’t materially alter my properties performance and my tenants appreciate the flexibility in the very rare circumstances where they are late. 

Unfortunately I wound up with a life changing situation that forced me to give it up. 

Typically a cost seg can provide a ton of benefits to accelerate depreciation on pieces of the purchase that wouldn't usually be allocated out under normal circumstances. 

Lenders will require 5% down and you will need to meet the conforming loan limits (not high balance unfortunately).

Unfortunately, very few local Worcester residents can afford these properties, creating intense pressure on those who live and work in the city.

Unfortunately, if you lose money, that is a risk of all investments.  

Unfortunately, this is my max budget, and I wouldn't be able to go above this amount at all.