Maybe this state lawsuit will actually get something done (although I kind of doubt it given how previous lawsuits have gone).Also, interesting how while everyone else was getting gouged, County Executive Frank White and County Tax Assessor Gail McCann Beatty saw very modest increases.

My rent to purchase ratios could have produced outstanding cash flow but I have modest cash flow.  

This includes having team members that specialize in each specific part of the process, spotting macro trends quicker, and buying consumables, furniture, and other services in bulk.

Being a HML is incredibly complicated, and time consuming.

They can seek exemption from the SEC, but this process is costly, complex, and time-consuming, therefore not typically done.

I have house hacked 2 single family homes in Colorado Springs, moved out with both rentals cash-flowing very modest amounts annually, and am actively looking for the next property around Allentown, PA.My 2 options: Add to my portfolio and House Hack for the 3rd timeI know that house hacking will be the easiest barrier to entry around a big down payment, has the chance for a lower APR with a primary residence loan, and I am comfortable using this strategy as I have done it twice in the last 3 years.

Any business credit I do take out will be under the LLC and ill make sure the lender doesn't report to the consumer reporting bureaus 

It can be slightly time consuming but I usually feel more comfortable with the numbers when I do it myself.

It is to create an easier path for a consumer that has been screwed over in some fashion.

As another poster pointed out, Dave Ramsey focuses on consumers and their use or misuse of credit.