Once a tenant is in, those repairs take longer and cost you more money in stress and collateral damage.

UtahAmericafirst 80% LTV on noo 65% LTV UtahArvest Bank AR, OK, AL, MO Bancorp South, TX Lines of Credit on free and clear housesBank of Southern California, CABank of West (BNP Paribas) 60% LTV CA, AZ, ORBB&T will loan on a rental portfolioBBVA, now PNCBECU for ORBellwether Community Credit Union, NH and MA 85% to 100%, draw 10 yrsBMO Harris, 3 HELOCs to 70% LTVBoeing Employee Credit Union Cal Coast Credit Union, CA Citizens Bank -MiN, only in-state.

Just want to get rid of these houses and be stress free not being a landlord anymore. 

There's still a lot of questions to be answered, but based on cashflow alone, the 20% down option would be the less stressful way to structure this deal.  

I said never again and today don’t let any of my tenants get away with stuff that makes me unhappy or stressed.

/At that point this nice 72 year old stressed out lady started to cry and said it is amazing how God works.

So sorry you are under this stress.

.**** At some point, future, I think I will want most all properties paid off so I can have great flow with minimal stress and maintenance numbers but kinda feel growth phase is still smartest as of now. 

I know that can be stressful even when Uncle Sam isn't the one calling the shots. 

Would you rather have constant stress of chasing tenants for rent and evicting tenants, or a tenant who pays on time every month?