I just fit what I could do into my daily routines and did them consistently. 

Wealthy individuals routinely utilize debt planning as a means to strengthen their net worth. 

What good is a "strategy" which ignores routine and customary paths to get paid?

Shootings and murders were on top FBI lists routinely in the area.

But closing costs are routinely financed into the note and at todays interest rates 5k is only $25 a month.  

IN GA. we ran into the same thing buying court house steps law says 45 days it routinely took 90 to 120...to get our trustee's deed and of course without the trustee's deed we could not sell or encumber.. although it is common practice to take possession and even do an eviction in that state during this time.

Rents are routinely 950-1050 on these sized homes. 

Besides, using a line of credit on a routine basis would create a headache of tax calculations for the IRA when calculating UDFI.

For example the average roof in Chicago lasts about 20 years and with routine maintenance 25 years. 

In all three companies it was very important to assess an accurate value of the homes for two reasons:We did not want to "over lend" on homes because that would have affected the profitability of the lending operation;We routinely had to borrow money to make loans with and we had to have an appraisal method that worked in order to satisfy part of the concerns that investors have when the only real collateral being offered are the homes and the lending contracts.Years ago, I signed up for and took the two day course offered in using the NADA system.