Due to the urgent situation, I have no choice but to proceed with the septic work in order to obtain the necessary permit

Equity and retirement assets wont do anything for DTI unless youre retirement age, have a plan in place to create income via IRA distributions, and have a sufficient balance for the distributions to continue for at least three years. 

Im 23 and will continue to work until 30-35, and by then I would be able to either continue working BY CHOICE rather by necessity.

Im 23 and will continue to work until 30-35, and by then I would be able to either continue working BY CHOICE rather by necessity.

Tile is the obvious choice for wet rooms because it is totally water proof.But the big picture ....if you're going to sell in 5 yrs and remodel then, I wouldn't do anything now. 

Cash for keys, while unpleasant from a moral standpoint, is often the better choice from a cost benefit analysis standpoint.

Just wondering what the smart choice would be for smart businessman.

If your strategy involves short-term rentals, then single-family homes could be a viable choice.

Im 23 and will continue to work until 30-35, and by then I would be able to either continue working BY CHOICE rather by necessity.

Im 23 and will continue to work until 30-35, and by then I would be able to either continue working BY CHOICE rather by necessity.