Having cash reserves gave me the confidence to move quickly on a great deal without losing sleep over unexpected expenses.

You probably had a little tickle in your moral compass which gave you pause, which is why you reached out.My wife is an accountant, when we look for every possible tax break it doesn't feel like theft, we feel accomplished to find a place for more savings and lose zero sleep over it.

You need to either escalate this through the municipality and hold back rent OR call the police and report the tenant for disturbance.

Many folks would I bet Personally, I have no price and prefer sleeping well at night haha  Jay knows an instance where my company was printing money “cleanly” but where in bed with an operator that wasn’t legit.Cut ties and cost us probably millions in doing so…

"I'm sorry to disturb you, you may not be the right person for this

They're good to have open access to capital/cash/equity to a property ahead of time so you can execute a deal or purchase when the time comes on a split second decision (versus having to apply to a loan at that time which might take 20-45 days to get approved/closed/etc plus by that time you dont know what your future income/credit/assets will be like in order to qualify anyway).The second use is sleep at night factor and having a reserve of capital in the event an emergency event occurs in life.For these two reasons is why I use lines of credit.

Why are you losing sleep?

Two things were disturbing to me.

"I'm sorry to disturb you, you may not be the right person for this

Additionally-Sleep a few nights in it.