A cash-out refinance can reduce your credit utilization and improve your credit score.

More than half of banana imports, America’s most popular fruit by volume, comes in through the ports being struck as of Tuesday morning, according to the American Farm Bureau Federation.Other items I have read that are at risk are: cherries, cocoa, sugar, imported wine, beer and hard liquor.In the spirit of the strike impacting more than just materials and labor directly correlated to real estate, I intentionally posted this in "Off Topic" as I want to get a better understanding of what your concerns are with an ongoing strike.

To intentionally reduce the leverage more than required is a foreign concept to me.Best wishesDan, financially you are, of course, correct.  

The goal is to create paper losses that offset your wife’s W2 income, reducing your tax bill. 

If you sell your new property for $20K less than you bought it then that would have the impact of reducing the profit on your old property by $20K. 

If a property management company faces a data breach, it can significantly reduce the property’s value, impact lease renewals, and affect the attractiveness of future investments.PropTech Startups:The surge in PropTech (property technology) startups has brought innovation to the real estate sector, including platforms for digital transactions, property management, and AI-powered real estate analytics.

Hi Samuel,When considering how to pay off a loan faster, both methods you've mentioned—making a large principal payment at the end of each year versus bi-weekly payments—can be effective, but they operate differently.Large Principal Payments: Making a large payment once a year can significantly reduce your principal, leading to lower interest costs over the life of the loan.

At this location we will move 20 of the 115 to autopay, the rest are already on autopay (debit/credit card/bank echeck).  20 doesn't sound like much but times 5 other locations this will reduce our workload. 

You have to be familiar with costs of labor in local market.VA's are only good for "busy work" as they don't care about your company, costs, etc.

Given your strong net worth and experience, investors might be interested in a short-term investment with a clear exit strategy.Home Equity Line of Credit (HELOC): If you have significant equity in your personal residence or other properties, a HELOC can provide access to funds without selling any assets.Securities-Backed Line of Credit (SBLOC): If you have an investment portfolio, you could borrow against the value of your securities without liquidating them.Seller Financing: Negotiating with the seller to finance part of the purchase price can reduce the immediate cash requirement.