Ever since I started this refi process in April 2017, I shaved off about 75 basis points from my 15- year fixed rate.

The engineer recommending using structural foam or pressured grout, which is basically injected under the garage slab.

It would shave at least 2 years off my home mortgage.

. Ownership of a property that is held in the name of an LLC or partnership where the borrower(s) have an individual or combinedownership in the LLC or partnership of less than 25% and the financing is in the name of the borrower. Ownership of a manufactured home and the land on which it is situated that is titled as real propertyType of Property Ownership NOT to include in Financed Property Count: Ownership of commercial real estate. Ownership of a multifamily property consisting of more than four dwelling units. Joint or total ownership of a property that is held in the name of a corporation or S-corporation, even if the borrower is the ownerof the corporation and the financing is in the name of the corporation or S-corporation. Ownership in a timeshare. Ownership of a vacant (residential) lot. Ownership of a property that is held in the name of an LLC or partnership where the borrower(s) have an individual or combinedownership in the LLC or partnership of less than 25% and the financing is in the name of the LLC or partnership. Ownership of a manufactured home on a leasehold estate not titled as real property (chattel lien on the home).

The borrower(s) may have initially purchased the property as one of the following:a natural person;an eligible inter vivos revocable trust, when the borrower is both the individual establishing the trust and the beneficiary of the trust;an eligible land trust when the borrower is the beneficiary of the land trust; oran LLC or partnership in which the borrower(s) have an individual or joint ownership of 100%.The original purchase transaction is documented by a settlement statement, which confirms that no mortgage financing was used to obtain the subject property.

I did purchase a good quality sectional looking sleeper that is quite a comfortable couch with a gel foam mattress (yes they do exist).  

There's a 1x1 area that's completely exposed and you can see the foam inside the house wall.

I think success PM is about having repeatable systems, and endless patience, if you do not have either, you can outsource, but the amount of money shaved off the profit will always be a factor.

I'd like to "shave" off as much cash as I can to allow me some diversity in investments other than 1031s.

So now my question is....when he fails to follow through on anything anything at all...what happens to the masses he's excited to a frenzy literally foaming at the mouth ready to draw blood.