@Greg Gangle it’s safer in my opinion to take your cash and stack it so you have an extra fat reserve account, ie if you pay extra on the mortgage you have to refi, sell or put a Heloc on it to access that equity in the form of real money.

That will change if the day ever comes when we use %%%% to buy things.1%, 2%, etc....are ways to describe the fat in milk. 

Trim the fat and you’ll be more lean.

There is also a Fat FIRE movement which supports a higher standard of living and challenges the idea that sacrifice is necessary. 

Would it not have been a nice gesture and much easier if the nails bothered the scumbag so much he (or she) could have saved a lot of time and money if they bent their fat aged butts over and just picked up the nails.I received a complaint with a picture (of course) because there was a tiny single weed about 2 inched long protruding onto the sidewalk.The scumbag president of one HOA lived next door to one of my properties.

It's yours, you big fat baby.

In many submarkets, there are not 3rd party management companies that have a focus on 10-50 unit communities, and that means that turns could be slow and maintenance could be expensive...need to include that in your underwriting and buy fat deals that can absorb those costs. 

rats get fat while brave men die!

@Jacques Edouard Dessejour LapierreYou have to analyze your project to make sure there is enough fat in the deal to make it work.  

Notes are like play doh ma boi you can make it long and skinny or short and fat. 30k down is more realistic (10% down), but 10k down is not impossible.