I really enjoyed the credit card travel points one.It would be cool to do one different ways of earning horizontal income

To complete all the horizontal I need another 1.05M.

My first spreadsheet is condensed information form my mortgage broker and lists on the Y axis (vertical): mortgage terms, rate, APR, fixed term, years, credit score, loan amount, sales price, percent down, down payment, FHA funding fee, Total Loan Amount, Estimated Monthly Payment, Principle & Interest, Homeowners Insurance (Flood + Home), Property Taxes (1.23% home price in my county), Mortgage Insurance, HOA Dues, origination fee, appraisal fee, tax service, flood certification, credit report, attorney's fee, title insurance-lenders, title insurance-owners, recording fee, verification of employment, survey, home inspection, water/septic if well, pest, 1st year homeowner's insurance premium, homeowner's insurance escrow, property tax escrow, per diem interest, down payment, closing costs, prepaid expensesOn the X axis (horizontal) I have the numbers for 200k, 250k, 300k, 350k, 400k broken down into whether it's single family or multifamily, then FHA or conventional2.)

I'm thinking I need $1M to build out phase 1 of the project (purchase land, complete horizontal construction, and lease up the units).

If your contract states that a certain outcome is expected,  such as house trim painted (rather than house trim will be painted with a horse hair brush with two  coats of paint with brush strokes in both horizontal and vertical direction)  and a general time schedule, such as completed by a certain date (rather than will work 8 am to 3 pm Mon through Fri) then you have a better chance of saying the person is a contractor or independent business rather than an employee.Think of how you deal with a plumber--The toilet is clogged. 

My building is 2 stories with 4 units spread horizontally, or sometimes called California style buildings.  

I will need to keep my day job for a little while longer, but my ultimate goal is to be able to quit in three years, fill the void of my 9 to 5 paycheck with horizontal income, and spend more time with my family.If you’ve read this far thanks for letting me share.On to my scenario and question(s):We currently have two houses, one in Florida and one in Arizona, both with a mortgage.

I will need to keep my day job for a little while longer, but my ultimate goal is to be able to quit in three years, fill the void of my 9 to 5 paycheck with horizontal income, and spend more time with my family.If you’ve read this far thanks for letting me share.On to my scenario and question(s):We currently have two houses, one in Florida and one in Arizona, both with a mortgage.

I'm really excited to get started and begin connecting with you all :)Quick question, my profile picture is horizontal for some reason; any idea on how to flip it? 

The only way to remove this from the wall is to use a diamond blade grinder and cut into this and score horizontal, vertical and diagonal lines and slowly carefully pry or chisel it out piece by piece trying not to damage the adjacent tiles.