Dumb Debt also means that the owner takes on recourse debt and personally guarantees it instead of non-recourse debt or other people’s debt (OPD) or cross collateralizes it with highly appreciated assets with low debt to value ratios.

Down payments on DSCR purchases can be as low as 15% right now, and as you noted, they don’t impact your DTI.

Quote from @DJOPGANG LOWE ELVIS: Hello – My name is Elvis .

Low income choosing high occupancy to stay here.  

You got only 4 bookings from Airbnb because your ranking is really low on Airbnb.

With that said, choosing your bank based on customer service relationships and business credit products should be a priority. if you’re looking for a bank that offers great service and lower wire fees, I’d suggest starting with NFCU.

I meet my contractors at whatever supply company they choose, at the time they say.

While it’s tempting to see the low-interest, self-repayment setup as a win, the key question to ask is whether the opportunity cost justifies the move.

Please forward the contact information for any vendors with which you have experience or knowledge who can help exit a low-usage time share. 

Ditch the cheap shower surroundPlease don’t buy that cheap five-piece shower surround that you saw at Home Depot or Lowe’s.