We address quality of life issues immediately and I spend plenty of time at the properties so they see my face.

@Clayton SilvaI think you covered a lot of the angles - the answer is “it depends” - every person is in a different situation and stage of life and some may want to pay points and others maybe not.Right now I would not be buying down the loan knowing the fed will lower rates, which should slowly bring down the 10 year T which would then lower ratesFor me I would guess I would refi within next 3 years so I wouldn’t pay pointsIf I thought I was not gonna refi within 5-7 years then yes pay points

Whom am I to believe, you, a professional in the business for 10+ years with a verifiable track record of success and a willingness to provide information based on your experience and education at no charge, or my guru who has never run a note business and has been banned from the securities industry for life for violations related to stock dumping 6 years ago?  

Most of my adult life was spent working as a Firefighter/Paramedic.

I am getting older and really don't want to live the corporate life anymore. 

Life happened and now 6 years later, we need to do something about it.

I just can’t for the life of me understand why they should make as much money as me and I assume all the risk.

@Nick C.Because when someone is serious about transforming their life, and they constantly hear the marketplace is full of scammers, they decide to sit out and miss an opportunity.The other problem is that most people don't put in the work to achieve the results.

The IRS defines a repair as something that keeps your property in good working condition without significantly adding value or extending its life.

In New York City, once bankrupt hotels find a new breath of life by converting into homeless shelters where the city pays them over double what their rates used to be.