Has Owens corning insulation was added to the ceiling and a sound deafening highend cork floor to keep the place peaceful.

I had a bunch of higher rate and higher risk commercial and seller-financed loans, so I paid them off last year and am about 50% leveraged across the portfolio I'd guess.I like the peace, honestly.

I bring experience leading organizations in austere environments, change management, and project management.

Unless of course you are not risk adverse and saving a few thousand is more important than having more peace of mind.

Aluminum windows will hold up the best to the salt environment of that area. 

He said: "Both the US economy and the world economy are recovering...we are in an environment where our economy is very strongly affected by what happens outside so in the last two or three years the US economy has been doing well but it has been held back by lack of growth in the Eurozone, Japan, and to some extent in Asia except for China and India.

This would allow you to save money that you could potentially invest in things like real estate, notes and private companies, however you have the peace of mind that if you need the money, it can be easily accessed.  

Kudos for doing the right thing and getting the tenants to a more comfortable environment. 

The Maryland Dep't of the Environment won't tell me anything. 

Three possibilities when you get a mortgage in a rising rate environment, assuming 30YF financing:- Rates continue to go up, you're glad you got what you could when you could.- Rates stay the same, it's a wash. - Rates go down, you refinance and harvest the cashflow improvement.