Hey James,Ah, I see where you're coming from—given the Chicago winter, cutting off electric isn’t really an option without risking serious damage like frozen pipes.

It will cut down on the fake accounts created to promote certain individuals, markets etc.

It was a huge investment, but it cut the electricity cost by the full 2K per/mo all summer.

There are regulationsI could go on, but if you learn this much, and apply it appropriately, you will cut down your sorrows and risk, considerably.And yes, there is much more.

Cut expenses and work, no way around it.

A HELOC comes with a variable interest rate and all signs are pointing to no further Fed rate cuts in 2025 - and there may even be rate increases.- So, you may want to consider locking in an interest rate via a 2nd mortgage.Do you have reserves for unexpected expenses?

Can you do side hustles, cut down costs to get rid of these debts?

I have a question and would really appreciate your input.I’ve done a couple of fix-and-flip projects in the past using hard money lenders, but I’ve noticed that their fees and interest rates significantly cut into my profits.

I have a question and would really appreciate your input.I’ve done a couple of fix-and-flip projects in the past using hard money lenders, but I’ve noticed that their fees and interest rates significantly cut into my profits.

While $50/month in cash flow isn’t great, it’s still positive, and cutting the termite protection could boost it to $125.