Without reinforcing stereotypes, when you observe the residents of this area, I think you'll understand where I'm coming from. 

Wow, you're up early if you're in the land of Ua Mau Ke Ea O Ka Aina I Ka Pona, (The life of the Land is perpetuated in righteousness) LOL.......heck no I didn't know that, I looked t up just for you

Lets face it, the extra $25 or so in late fees I don't need but if I let it go, the rent gets perpetually late.

Terrell, you need to post this answer on every LLC question in perpetuity.

But for sure redlining  block busting existed and to a certain extent still does the blockbusting for sure its not as prevalent as it was in the old days but people of race religion etc still to this day will live where they feel comfortable and accepted and they do it by choice not because of old stereo types. 

That is a myth perpetuated by people who don't understand life insurance. 

However, their motives for doing so are to keep you on the perpetual treadmill of debt.

Low rates, rapid payoff vs. perpetual debt 

And given their hold timeline being perpetual, the 2-ish years of no cash flow does not really matter.

Don't get me wrong, having a daughter has been an overwhelming joy and I felt blessed my wife wasn't stereotypically suggesting for me to sell my beloved Mustang Cobra!