It’s a solid option if you’re confident about refinancing before the higher rate kicks in or if you want to save more month-to-month early on.Option 2 (3.5% DP, Permanent Buydown): Lower upfront costs free up cash to invest elsewhere, and the 5.4% permanent rate adds predictability.

The only place I see more cheating is in the recruiting of SEC football players (SEC fan here).

My final confirmation to invest was that my own CPA firm was the firm who signed off on their proformas and confirmed they were performaing as predicted. 

They have nothing to lose, its like giving someone a free ticket to the football game, if they go great if they do not who cares they just do not go and there is no consequences for them. 

This is not about becoming a college or pro player.Work on (fun) physical and mental toughness with me at the house (wrestle, tackle football, physical basketball). 

Predictive Analytics: Historical data can expose future trends in value, rental demand, and market conditions.

I never predicted that it will fail.

I believe it would have been up another .5%, but we canceled guests across all properties three times last winter when the weather predicted 4 to 7 inches of snow.

It is straightforward, results are more predictable, and repeatable just like the BRRR, but it's slower. 

But if set up correctly, they can be more consistent performers over time and have more predictable cash flow.