I don't feel 75 miles per day is excessive driving.

Not show up, bill excess because they think you can afford it and they have a new girl friend or whatever...

What if you take your excess cash and pay it off faster?

I metered the water/electric on the laundry room & found no excessive use of water/utilities.

After initial acquisition of property its easy at:Excess annual cashflow / initial equity injection So let’s say you guys a property:$100,000 down on a $500,000 property, resulting in a $400,000 loan with the property throwing off $10,000 a year in excess CF after all expenses and mortgage payments.

Our worst appreciation over the hold period is in excess of $1900/month.  

This is what happened in 2008, when the banks flooded the market with the excess inventory that had been built the years leading up to - many vacant and speculative in nature.

If you have an opportunity to confidently achieve a rate of return in excess of the interest rate on your debt, then you should maybe not ignore the investment opportunity just for the sake of paying down some debts. 

I write checks on those accounts.If 1-ish% fees seems excessive for the expected profit, then then you are correct to wonder if the juice is worth the squeeze.

Clean is defined as: all surfaces (walls, floors, counters, fixtures, appliances) free from dirt, grime, excessive dirty dishes/laundry, and grease.