If I ever move on from being a lender to other stuff and no longer have compliance handcuffs, I will however do a massive dump of all the tools that I've worked up.You should be able to multiply your last P&I+extra payment by 1.0025, each month, to arrive at your next installment in a <20 year payoff plan.

Since HSBCs massive laundering scandal they have really ratcheted up compliance costs.

There are massive opportunities to the east to buy 100's of acres within 20 mins of downtown.4.

. :) But the most important thing is take massive action.

NOT true was true prior to 08 in a limited fashion but we learned the hard way that asset lending only is far to risky.2. you need some money... granted I do no money down deals but those ware with my trusted clients of a decade or more with lots of water under our bridge or as forementioned I pick one or two beginners and I groom them.. and I pick them for specific reasons.3. credit and income  Most HML want to see this.. if you don't have massive experience.4. anyone advertising rates under what @Jason Hirko mention is probably out to get due diligence money from you and won't fund.5.

I also see a shift among the institutional buyers right now that entered the market building massive rental portfolios now beginning to liquidate some of their assets.  

Take massive action!  

Your comments back up what I see - unless there is a massive pullout of Chinese real estate investment or a massive jump in interest rates, I don't see a crash - and I don't see either risk being high, at least right now.My first suggestion is to look at your primary residence separately from your income properties as much as you can. 

In order to get down to $50/ft2, it would be super hard unless you had massive volume.  

Plans are:Replace flooring with tile throughout.Rehab bathrooms replace vanities and massive cleaning where needed we will try to salvage tile on icky shower.