A cash-out refinance can reduce your credit utilization and improve your credit score.

To intentionally reduce the leverage more than required is a foreign concept to me.Best wishesDan, financially you are, of course, correct.  

The goal is to create paper losses that offset your wife’s W2 income, reducing your tax bill. 

If you sell your new property for $20K less than you bought it then that would have the impact of reducing the profit on your old property by $20K. 

Leverage Technology and AutomationTechnology is crucial for scaling, as it helps reduce labor costs and increases efficiency.

Hi Samuel,When considering how to pay off a loan faster, both methods you've mentioned—making a large principal payment at the end of each year versus bi-weekly payments—can be effective, but they operate differently.Large Principal Payments: Making a large payment once a year can significantly reduce your principal, leading to lower interest costs over the life of the loan.

If a property management company faces a data breach, it can significantly reduce the property’s value, impact lease renewals, and affect the attractiveness of future investments.PropTech Startups:The surge in PropTech (property technology) startups has brought innovation to the real estate sector, including platforms for digital transactions, property management, and AI-powered real estate analytics.

At this location we will move 20 of the 115 to autopay, the rest are already on autopay (debit/credit card/bank echeck).  20 doesn't sound like much but times 5 other locations this will reduce our workload. 

Given your strong net worth and experience, investors might be interested in a short-term investment with a clear exit strategy.Home Equity Line of Credit (HELOC): If you have significant equity in your personal residence or other properties, a HELOC can provide access to funds without selling any assets.Securities-Backed Line of Credit (SBLOC): If you have an investment portfolio, you could borrow against the value of your securities without liquidating them.Seller Financing: Negotiating with the seller to finance part of the purchase price can reduce the immediate cash requirement.

The financial benefit of reducing or eliminating income taxes very much out weighs the hassle and costs of a potential audit.You don't need anything fancy for a time log.