Makes small payments here and there but always has an outstanding balance.  

Cat urine however, is more than just likely to happen and that smell can be impossible to get out without tearing parts of the damn house down - no exaggeration.

And the politician that gives out the most "free" stuff will be the one that continues to win elections.That sure as hell sounds like a damned good reason we want kids to learn calculus and program robots in high school (to do the jobs of tomorrow) but they never have to write out an amortization table (to figure out how they're getting screwed today).I'm still trying to figure out what kind of slick moves were pulled to kill Home Economics and basic cooking instruction in every high school in America.

We’re up to 11 units total, time is money, but damn I love to hustle.

And since I'm the one taking on the risk, I will be damn sure to screen tenants and mitigate risk because I'll be the one paying out of pocket if I fail!

Take the emotional aspect out of this (it's not a primary residence purchase), and the answers is "every damn day".

Bump the rate to 3.75%, that will wipe out most of what's left, and you will still be saving money (0.125% rate bump on a <$200k loan is very little per month difference).At this point, this is pretty damn close to a "true" no-cost refinance.

I actually moved up this way many ‘moons’ ago from just outside NYC and I haven’t regretted the decision other than the damn 6 months of winter, Lol.

The repayment terms for a 401k participant loan are equal monthly/quarterly payments of principal and interest (typically prime plus 1%) over a 5 year term (longer if used to acquire your principal residence).Please note that if you take a full $50,000 and then pay back the loan, you can't take another $50,000 until 12 months after the first loan was fully paid back.Per the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).Please keep in mind the multiple loan rules:Under those rules, the sum of the balances of a participant's outstanding 401k loans under a single 401k plan (using the highest outstanding balance of each loan over the last 12 months) can't exceed 50% or $50,000 whichever is less.

The repayment terms for a 401k participant loan are equal monthly/quarterly payments of principal and interest (typically prime plus 1%) over a 5 year term (longer if used to acquire your principal residence).Please note that if you take a full $50,000 and then pay back the loan, you can't take another $50,000 until 12 months after the first loan was fully paid back.Per the loan offset rules that went into effect with the 2018 Tax and Job Act: if you leave your job and the loan is current at the time you leave your job but then the loan goes into default because you left your job, you will have until your tax return deadline (including any timely filed extension) to make the loan current by depositing the outstanding balance into an IRA (and thereby avoid the taxes and penalties that would otherwise apply).Please keep in mind the multiple loan rules:Under those rules, the sum of the balances of a participant's outstanding 401k loans under a single 401k plan (using the highest outstanding balance of each loan over the last 12 months) can't exceed 50% or $50,000 whichever is less.