No one from BP has ever paid me a penny to write a single one of the 5000 plus posts I've written here (full disclosure, @Mindy Jensen did send me a T-shirt).The reason I'm here is that I actually want to help, I'm actually looking for meaningful connections, I've actually found some here, and I am grateful.

Just login and you should see a download link somewhere near the book (here's how I found it:  http://screencast.com/t/n6bb5HaU)

I get the 100% leverage it can do wonders for you it you catch the market on the correct swings buy low sell high.. but if you get caught needing to hold this can be quite stressful to lever up your personal residence to use that money for equity on a property that drops in value U end up in a mess financially speaking

The rest of my Cash is invested with Monthly 5.2% T-Bills. 

Inflation is a son of a b$t$&, and we had a bad case of it.

That $140k could be used to buy another investment immediately.Don t worry about future reduction in deductible expenses.

Basically the equity is generating return worse than the T-bill.What should I do with the equity on paper? 

I highly recommend connecting with @T.

No means to refi and it was a big huge mess and put them out of business with a ton of stress and they scattered like the wind..

I'd may send a copy of the rent increase letter by certified mail but maybe not, depending on what all i'd learned so far.I'd always be respectful and positive and stress that the house isn't perfect but my duty is to fix what is broken and their job is to pay on time.