I wasn’t late on one credit card payment.

Of course credit card is going to be like 3.5% but it does kind of such because it's already hard to get tenants to pay it lol. 

Regardless of legal nuances, I can tell you from extensive professional experience: Don will WIN an IRS audit for his Subject-to interest, as long as he can show that he made the payments.

I am thinking about flipping it and getting some win.

I do direct booking through the Houfy website, taking credit card payment by Square. 

In my book, that is a win over a 7-10 year hold.

-To your success, Zach Lemaster, CEO Rent To Retirement---https://www.biggerpockets.com/business/page/3497https://www.biggerpockets.com/users/ZacharyCole/referenceshttps://www.biggerpockets.com/forums/92/topics/765347-rent-to-retirement-reviewhttps://www.biggerpockets.com/forums/92/topics/1116050-a-huge-win-with-cori-from-rent-to-retirementhttps://www.biggerpockets.com/forums/850/topics/895660-my-first-investment-property-an-out-of-state-dealhttps://www.biggerpockets.com/forums/88/topics/1047543-big-profits-from-new-construction-sfr-build-in-cape-coral-flhttps://www.biggerpockets.com/forums/92/topics/983659-first-investment-property-with-rent-to-retirement?

I'm 53, married with 2 kids less than 17 years old with debt only from purchases on credit cards and my home.

If you do a side by side comparison, DSCR will win every time.

I'm looking for Propstream, does it have different post cards, like deal machine???