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Also wondering why you are choosing to hold that much cash vs. paying off your consumer debt?

Figure out how to make adjustments so the job doesn't consume you.

Our experience was the extra cost of the coin-op machines, the utilities consumed and the damage/abuse they received pretty much consumed any revenue generated.

Is all of your consumer debt (primarily credit cards) paid off?

Bill now which side the fence are you on the banks or consumers.

http://www.ag.idaho.gov/publications/consumer/LandlordTenant.pdfhttp://www.idaholegalaid.org/article/1333Hope this helps!!

But a cheaper expensive doo dad that meets your needs will consume less of your money than a more expensive one, leaving you more cash to invest into your and your family's future.

Like Steve pointed out, Christmas can be an expensive holiday for tenants.Here's another resource you might want to read: Georgia Landlord Tenant Handbook

Sounds like this bank is dropping out of the residential mortgage market because of Dodd - Frank and/or the Consumer Finance Protection Bureau.