Q: "because i put 5% down i have to live in it till its paid off" A: No. See

Almost afraid to bring that up (but I just did).While I want to believe the OP of this thread, my nose says some important piece of information is being withheld; something that would prejudice naysayers.

I'd read a lot, done what I considered to be a large amount of analysis, had a degree in business, and figured I should plug my nose and jump. 

Keep the nose to the grindstone and money will come.

What kind of trim (bull nose) did you use next to the subway tile in the shower?

I'd suggest aggressively spraying for a few days, and if it doesn't get  better within a week, then I'd then try and determine exactly which subfloor needs to be replaced.. it's a real dose of humble pie when your nose is on the ground trying to track the location.

Find a supplier that sells and installs 9 foot by 25” bull nosed slabs.

The general public is pretty unaware.If anyone in RE sticks their nose up at you, walk away, there are jerks in all walks of life.

I've seen people take those off and there is a white line of paint going up their nose right around where you can't pinch it tight enough near your nose.

And yes I live in Bondi and it's summer :) :) I don't envy the cold, but definitely your cash flow lol Hey mate :)Stick your nose in this forum.Read and post, ask questions, etc...Live and breathe it.By committing a couple of hrs per day and doing this over 6months, IMO you will learn more than any paid course can teach you.To start things off, see link below to a blog I wrote for Bigger Pockets with my perception on the different asset classes.http://www.biggerpockets.com/renewsblog/2014/06/28/abcs-real-estate-asset-classes/Bondi hey?