But at the end of the day, it's difficult for me to conclude or even see how the massive amount of time I save will be outweighed by that cost.

The rates are so low at this point I don't believe the 15 year outweighs the 30 year at all.

To me #1 would be a "no go", I know it’s tempting to get 6 months in advance but the risk to me would outweigh the reward in this particular situation.

They were less than willing to work with me, but I think they got sick of me constantly calling them...because of their attitude, I did charge them the $50 late fee as prescribed for in the lease, which will come out of their security deposit...All in all, a pain in the ***, but the monthly profit far outweighs the negatives...What do you guys think?

There are some decent turnkey companies, but for the most part the premium you will pay outweighs the benefit of doing a little more legwork yourself.  

I guess what I am saying is in my perspective marital success far out weighs any financial success.I hope that makes sense.

But I suppose that's why we do what we do; the reward usually greatly outweighs the risk others see as too large.

As hard as it feels to swallow that bullet, legal fees are going to outweigh the cost generally.  

I think the best benefit of a license is the flexibility of looking at properties and drilling into sold and active properties for comps, which to me out weighs the cost associated of holding a license.

She does end up wasting time when someone doesn't show up, but the positives outweigh the negatives for us.