Same with credit, if minimum is 680 and you have 679 it's a no go.The good news is the private money isn't a forever thing.

I guess I could use that $5k towards another property, but even at a 10% CoC return, that’s only $500 annual return on the $5k.Seems like a no-brainer to go with the first option unless I’m missing something.

To answer as an adult and trying to wrap my mind around investment talk, I would also probably say it's a no.

Units I've seen online advertise up to two showers and two sinks at once, which sounds like a no brainer. 

.$3,900 went into my 401K and I took out 50% which was close to $2,000.It was a no brainer for me not to do it.

It's better to start with a no, and be convinced of a yes

an online bank will make sure the entire 60k is there when you need it and should give you 1.8% I believe Ally bank also has a no penalty 11 month CD which pays a bit more, the money just has to stay in there for a week for you to be able to close the entire account whenever you want. 

@Michael Lee unfortunately owc is a no go, as he is cash poor, and badly in debt.

If their cost is 4.5% & they save you more than 4.5% it's a no brainer.

If we can save time AND the technology's efficiency is making it cheaper than the old way, it’s a no brainer for consumers.