Using mortgage debt at 6-7% on a refinance to pay off higher rate debt such as a credit card at 15-25% is a savings!

Well, free of charge.

(This assumes you have a credit card available to pay for any repairs.).

My interest rate and purchase price wouldn’t allow for positive cash flow unless I charged an unreasonable rent—or put about $500K toward the principal, which isn't ideal.I’m a high earner, so I’m weighing my options:Take the loss ($60K-$100K), buy another house, and chalk this up to a hard lesson learned.Refinance, put more money into it, and rent it out long-term—even if it’s not immediately profitable.Invest my money elsewhere and try to make peace with staying here for several years or just move.Would love to hear thoughts from anyone with experience in real estate, financial strategy, or noise mitigation.

I was thinking that the post card thing was worn out, but maybe if one targeted the postcards to reference only addresses that were actively seeking renters on Zillow or Redfin, one could avoid all that waste that comes from blanketing every address in a zipcode. 

So I ended up using 0% interest business credit cards which I liquidated to purchase and renovate my property (total credit limit of about $95k total).

While it might feel like an extra charge to tenants, these packages often provide value that indirectly benefits the property owner as well—like reduced maintenance calls or ensuring the property is better protected.In my experience managing a large portfolio of properties, these fees are becoming more common due to the thin margins in property management.

The only person willing to lend me money was Paulie—a guy who charged a point a week and always had a baseball bat within arm’s reach.

Her lawyer told her that she really needs to increase the rent she is charging her father-in-law to to $800/month, but when we were looking at her finances today, she has only actually been getting $150/month.

This, despite the fact that they charged me for the waiver -- the waiver that they denied - and they specifically asked for an extension.