Would really have to think about a full concrete house, if we didn't have large trees, balcony or porches to shade the house.

Scenario 3), the you could come out marginally ahead of making monthly extra principal payments of $300.00, provided you were not pulling the lump-sum from a LoC and then repaying the LoC over the ensuing 10-months ... as the additional interest would negate the marginal advantage.Scenario 4 and {my favourite} Scenario 5 were included to illustrate the benefit of more frequent principal payments.

Some of my favourite podcasts currently are The Andrew Hines Podcast, Gary Hibbert & RISE Network. 

Robert kiyosaki cashflow quadrant is another favourite.

Or where the shades of gray are.But the pattern of intimidation of LPs by GPs is clear.

I share that personal story, not to throw shade on any who have had a bad experience with bad tenants on the program, because they do exist, but to shed light on how effective and life-changing it can be when the users leverage it as intended, and the landlord also gains by housing those types of tenants.

WSJ:  https://www.wsj.com/real-estate/eviction-phoenix-constable-1...PHOENIX—On a recent afternoon, Rhys Torres crossed a partly shaded courtyard to a white stucco building.

Like wearing shades at a resort's pool with hooters waitresses they paid to hang out with and a lambo rented from Turo. 

Is this a good approach, or should we look at a different shade or finish?

Removing trees is expensive (trust me) and they do have benefits like shade and privacy.