Even old time Tenants will want to go to the Testing Phase if they see their Landlord falter, get too over-generous or too understanding.When that happens the Tenant's stability changes because the rules are changing throwing the tenant into the Testing Phase again, so we don't ever want to falter but always stay strong and in control.THE MOVING PHASE:During the moving phase the Tenant, no matter how many years they have been with you, seems to forget everything again.

We worked out a deal to get the work done for $75k, and they would get a bonus on the back-end when it sold (another $75k), contingent on timeliness and completeness.Everything went great at first.

If you have enough cash flow, you can weather the storm and even purchase discounted deals during the storm.I wholeheartedly agree cash flow will survive all downturns and the bonus of tenants paying down debt.

But at 75/25, it changes to 65/35, accounting for my extra money, but also his bonus percentage. 

Navy Federal has many options and they seem to be generous (as I've experienced first hand). 

I have a separate business I have ran here Blue Mound for almost 20 years, the house behind my shop went back to the bank, then was auctioned at xome.com where I purchased it.My interest is to acquire a handful of properties as rentals that hopefully will supplement my retirement one day.Bigger Pockets has been a wealth of information, I've spent untold hours listening to podcasts and reading articles, I want to say thank you to all of you that have taken the time to share your knowledge so patiently and generously. 

After that, any roommate amelioration of your expenses would be a bonus!

Any extra cash flow would be a welcome bonus. 

My broker has generously offered me 10k to market myself and advertise however I would like.

But at 75/25, it changes to 65/35, accounting for my extra money, but also his bonus percentage.