I'm contemplating discontinuing my contribution to invest those monies in RE, however, I hate the idea of losing "free money" (my employers match).

So even if the Rate moves up dramatically, and we have seen it in the 80s where we had double digit rates, this will definitely put a strain on anyone with Variable Rates versus fixed.What I have been contemplating is that most newbie Investors maybe using Variable Rates to increase the Cashflow versus fixed Rate mortgages.

While still stuck in my own way and contemplating my next move; my first opportunity may have just landed right in my lap.  

I'd highly recommend working through your first deal on a multi-family of any size with a mentor who has real experience in the type of property you're contemplating investing in.  

I've refinanced two using HELOCs and the other six are in the credit review stage of a commercial loan targeting 75% cash out.Now, I'm in a similar situation as the one you are contemplating: where do I put the money to work?

And I have been contemplating whether I am doing the right thing or not.

You've given us much to contemplate with your 'success cycle' and that is so insightful!

Contributions to a trust are often treated by the state as a gift and the state's gift tax rules will determine if any amount of the contribution to a trust during the year is subject to gift taxes.Additionally, if your mother may be contemplating going into a nursing home in the near future and depending upon Medicaid insurance to cover some or all of her nursing home cost, then you will want to establish a revocable trust and transfer assets to the trust at least five years before your mother needs the Medicaid insurance.

Drawing out the refi might complicate another purchase I'm contemplating.

My husband and I are contemplating on purchasing a tenant occupied home with the rent being $795/mo and we just received the rent rolls before closing and find out that the tenant is 90% late on the rent, however does pay every month.