The (property management) owners had great knowledge, answers, and talked about their systems, but that didn't translate to execution at the manager level.

So the ratio between income and home price is important, this strategy would not work if one is having low salary or median salary.This is why if someone could make 200k and live in Austin where home is still 400k, they could be millionaire in 9-12 years by executing this.

Your insurance company may be different but here's a list to stay away from:Akitas, American Bulldogs, Beaucerons, Belgian Malinois, Caucasian Mountain Dogs, Chows, Doberman Pinschers, German Shepherds, Great Danes, Keeshonds, Mastiffs, Pit Bulls, Rottweilers, Rhodesian Ridgebacks, Staffordshire Terriers, Wolf Hybrids, or any mix or variation of these breeds, any dog with a history of bitingMost municipalities don't allow "pet fees" nor "pet rent" for a support animal.

What rate percentage drop would justify executing a refinance to lock in a lower interest rate in your professional opinion?

@kevin reverse works but is more expensive AND you have to be well capitalized to execute on it!

Looking at the Citrona website, I see basic spelling mistakes, a lack of executive/owner bios, and no case studies showing the financials for some of your projects (which is surprising as one of the founders worked for 10 years at a financial services firm).

Also certain lenders will either allow for you to execute a partial IO loan which is where typically the front end of the loan (5-10 years) has interest only payments.

Lots of people would lose their entire life savings (either through fraud, market forces, or simple lack of execution).

The other popular open floor plan was American Standard 

We are sending a very clear message to those who seek federal funds that we intend to stand up for the cause of civil rights and expect them to do the same.John Trasvia, HUD Assistant Secretary for Fair Housing and Equal Opportunity (FHEO), added, Prohibiting this form of discrimination provides an essential protection for many Americans, including disabled veterans, seasonal workers, and persons that are using housing choice vouchers to maintain housing for themselves and their children.