If I was a newbie, I wouldn't have the volume or the wherewithal to protect the lender's money the way we do.We have a couple of groups that are trying to gain our business and have offered to cut rates below what we're currently paying.  

I remember the reports of the first cases coming out from Wuhan in December of 2019 ,and obviously since everyone knows there are only 4 comprehensive bio safety level four laboratories on the planet, Moscow, Paris, Fort Detrick-Maryland and of course Wuhan Institute of Virology, and given that there are over 100,000 small town with wet meat markets throughout China, one doesn't even have to ask the question "what are the odds?"

You have $606 after tax dollars to spend on the rest of life's expenses, including investing, buying flowers for your significant other, cell phone bill, water/electric/vehicle expense/food/childcare/hair cuts/vacation. 

Cities are then forced to cut back on services.

How many YouTube videos do you expect someone to watch before they start cutting into your skull? 

I'm only seeing one rule (safety). 

The main beam also has been cut to accommodate a drain pipe.

It doesn't happen like a tenant, all at once, but it's death by a thousand paper cuts.

While I’m making solid cash flow from my investments it would significantly cut into my cash flow if I had a $1500/month HELOC payment.

The waterfall on either side makes the space kids friendly (no abrupt sharp edges).