In the past, we have heard you need to have a larger portfolio to report to the bureaus, but even if you could I would strongly recommend against it.

But at the end of the day, well located properties in which the owner has ample liquidity to ride out long-term cash flow negative periods, rarely lose money.  

Weird that the township would go one way and the city another. township is much larger than the city.

And Exchange systems would add so much liquidity and fluidity to the note market which is what I would love to see a Blockchain based exchange note market. 

But I know sometimes I may need to sell to get a larger lump sum up front to help with lack of any other income currently. 

The problem will be no larger than you allow it to be.  

you're not missing anything; i have the same worry about gator lending. however, sometimes people are looking for way larger amounts of transactional lending, for bigger deals. in those cases, it's more justified for them to need the $ IMO. but also, more is on the line, so you still have to really do your due diligence. if you're really interested in being a gator, take pace's program. i haven't, but if i was going to seriously get into it, i would. 

I tend to have an easier/faster time renting my 2 bedroom units than the larger ones. 

Setting the DAF to be the beneficiary of liquid assets is simple.   

6.125% has P&I of $2625/month.5.75% has a P&I of $2521/monthThis is a $104 benefit.Paying $4400 more towards principle will reduce your payment to $2598, a $27/month savings.Math says buying the rate down has a larger net benefit to you up front, but it will take you 42 months to break even.