You would have to pay down $33,362 to do that, but you could just pay it down over time or just make a mental note of what point you need to refinance once it gets to that level.Just an idea, it may take more time to get positioned for this method, but it will be the best of both worlds... 

I closed no business and learned much less from the experience than I thought I would.Now, a year has passed and I have adopted an entirely new approach to my mentality about this entire industry. 

Such as having a ballon every year for 100K until it is exhausted.4) If, when I am entitled to receive the funds, if I instead want to 1031 the balloon into another property, can I do that?

However, and after exhaustive phone calls to the county SO, Clerk of Courts & auditors' offices, no one knows or will give that answer because it is "legal" advice.

I agree, I feel Iike I mentally respond with the intent of getting to a computer to actually respond, but of course my brain ends up focusing on something else and I never get around to it.

If you're able to save quite a bit using the "pay yourself first" mentality, then you're doing the right thing.

It appears it could be win win for both involved.I try not to because even as the strapping physically presentable whole gentleman I can tidy myself up to I have many mental and physical challenges that people incorrectly ignorantly judge me by so I tend to look past surface issues but discrimination has an important purpose and is how we stay alive.

Most newbies that have herd mentality are buying those now.If you are trying to get safer investments you might want to buy brand new builds in a subdivision in a nice area stage 0 to 1 of development.Example you look at 2 options:Option 1 - Buy a house for 75k (Class C) that after mortgage payment is supposed to generate 150 a month income or 1,800 a year.Down payment 15,000    Result: In a few years rent growth in lower income areas is more limited due to income earnings.

The payments start happening on time and then slowly you ask for increases in limit.Improving a score from where it is at and eventually getting credit all positive can take many years in some cases.People have to take a (whatever comes at me in life I will take it on and succeed mentality).

I actually think its a mental timing thing.