Overall, if youre comfortable with keeping the rate and payment you have at the moment, apply the difference toward principal reduction.

But that will also give you the cushion to be comfortable until cash flow starts again. 

They have made it clear to me that they refer to me because they are comfortable/confident that I will take good care of the client which reflects better back on them, keeping their reputation strong and earning them real estate referrals from the client if they end up happy with the whole experience (which is much more valuable to them than a few hundred bucks from me). 

I have a business proposal to send to investors which says in it I'm open to starting as small or big as they're comfortable with and list a couple different financing suggestions and equity splits.  

There are those that do it, & feel quite comfortable.

You will get comfortable talking to fellow investors and eventually meet a few that you can do business with.I have been investing and networking for quite awhile. 

It's not really true loyalty program it's actually more a way to verify their underwriting and get more and more comfortable with you as a client/customer.  

A contained small fire that can heat up in a few hours,LEt me add this : If I were a guest and felt like a relaxing spa moment, I would want to walk out and get in.

And you don't have to sacrifice your comfort just to invest!

Instead, I’m teaming up with a trusted partner from Anniston, AL, which has made my wife feel more comfortable with the plan :).I’ve been diving deep into the Birmingham market, using local resources and data to shape my investment strategy.