Would the 9-year balloon concern you, knowing you'd need to refinance or pay off the balance at potentially higher market rates in the future?

We have zero concerns of squatter in SWFL.

The idea of debt-free is that if a person is going to retire and has to completely depend on the income, they don't want a severe recession surprising them and causing them to default on the debt and losing the properties.In a normal world, I would do that as well.

It’s not advertised, then I deny someone cause I don’t like them for some reason etc.  

That is where the concern would be for me.Yeah, older tenants may think that it automatically makes someone a criminal of something, but I would just explain the card and that it at least, in theory, has a medical purpose, unlike cigarette smoke which kills the smokers and everyone else around.

They push their offer without listening to the seller’s story, concerns, or goals.

@Stacie Telles  You may be able to refinance your property if the repairs or remodeling have caused an appreciation in value.

I’m wondering what all I need to provide my tenants with this year as far as taxes are concerned.

One concern that I have is that I need to be able to sustain this during a downturn.

Typically those purchasing cash aren't inspecting every home, they're walking it or having their go to GC walk it and already know what they see that may be a concern.