I am always amazed though that when tenants are behind, they always seem to keep their cell phones on and cigarettes in their pocket

Or perhaps I simply run my life through a company that isn't actually in business - things like insurance, cell phone, cars, utilities, you name it.

I'm curious what app you guys have found that works best for adding additional lines to your cell phone for business and marketing campaigns.

If you refinance during the first year they will go off appraisal value or purchase price, whichever is "LESS".  

I agree it's hard to say which event/"straw" will break the camel's back.

Cell Phone The next most important thing an investor needs is a cell phone.

Whichever option you start with, SFR, duplex, renting out rooms .. an option to think about for a good tenant rent source is AIRBNB.com  If you've never heard of the service, long story short, people rent out rooms to guests from all over the world. 

http://obamacarefacts.com/obamacare-individual-man...The annual fee for not having insurance in 2015 is $325 per adult and $162.50 per child (up to $975 for a family), or it's 2% of your household income above the tax return filing threshold for your filing status – whichever is greater.http://www.cbsnews.com/news/is-mandatory-health-insurance-constitutional/

I suppose its a personal decision between equity and cash flow, whichever one values most?

In Illinois for example, you can recover attorney's fees, but you only have 1 year to file a claim from the date of closing/possession, whichever is earlier.