Smartkey IME are very easy to rekey, though they are very cheaply made, easily defeated low security locks.

Closing off your mind to entire asset classes strikes me as self-defeating. 

In fact, coming out of pocket defeats the purpose of the 203k. 

I really don't for the new wave of rent control going in force today across the country.. rents are already at all time highs in the markets were its being put in.. and like Oregon they allow for 7% raise a year plus CPI  which is 3 so that is 10% each and every year.. so what you could have happen is landlords just raise the rents every year there by defeating the purpose of rent control.. 

and in the last go around and given that half of BP thinks we are headed for another crash or correction.. you usually find out your heloc got frozen when you try to access it and its denied they don't send a letter ahead time because if they did you would have a run on the bank.. kind of like what you did  LOL.. defeats the purpose of freezing them if folks evergreen them..   

Which defeats the purpose of the series LLC.Right now, the good money is on registering each child in the series as a foreign LLC when operating outside the series state.

Bankruptcy is a restart, not a defeat."

I talked to the insurance agent and he told me that they could potentially just put it back into my name, but then the LLC would not be insured, basically defeating the purpose of transferring it to an LLC in the first place!

Point of the story is that I do not feel defeated.

These calculators are only as good as the person inputting the correct numbers, otherwise they will be off which defeats the purpose.