One who understands real estate taxation and the other who understands individual taxation?

What is right for one investor, in one set of conditions, could completely wrong for another investor.THE “OBVIOUS” PLAYSThere are times in football that the right play is super obvious… but even the obvious plays are not as straightforward as they may seem.For example; it’s 4th & 15, you have the ball 70 yards from the end zone in the first quarter.

When the economy slows down with disappointing earnings, you will see local companies reducing head count and in one quarter or two the demand for housing diminishes, and home prices will tank. 

I would follow up with quarterly inspections. 

Be aware there may be changes coming up to the taxation of primary residence sales, make sure to talk to a CPA specializing in real estate when you sell your home.

Avg sales price in Dickson this last quarter was 141k.Cheatham County which is where Pegram is, has seen 91.18% growth in the last year, leading the counties in Mid TN in growth (these counties are compared to themselves not to other counties).

I did the math and here's what I found:mortgage amount = 112500monthly PI payment at 4.5% = 570.02monthly PI payment at 3.85% = 527.41difference is $42.61 per month.Dividing your points amount ($2250) by the difference yields just under 53 months.If you keep the mortgage for 53 months or more, paying points will save you money.There may also be some taxation concerns considering the deductibility of points, but I don't have that info.

Maybe pay less attention to a particular quarter point or whatever rate and a good deal of attention to the timing. 

He know real estate and business taxation very well  and gives great service.  

Sometimes with students who receive housing funds, perhaps a quarter or semester at a time.