If you feel like you are scraping by, you might need to downsize the apartment, go out less, eat out less, cook more, etc.

That is a big fat NO!

I have been poor very poor living off food banks and pawning items just to eat for a day and do it again.

He further said it should NOT go to eating out or buying other items  and for sure should not be used to quit your job ( which is so popular mind set)Mr.

Feel free to shoot me a message and we can talk through what has and hasn't worked for us in the Lubbock market and come up with a strategy to get it rented so you can stop eating those holding costs every month.Cheers!

In a short term, I'd eat the risk I'm not taking that for 1 year +. 

With my mortgage eating half of my income, it sounds crazy to take a second one. 

That eats up half of your equity position right off the bat.

Not only do you not save anything in interest (assuming the rates are the same), but you're also eating up your valuable credit line, which is typically a variable rate and is subject to changes in the underlying index.

And then the investors going to repeat the same euphoria again lolIts wolf eating wolf and eating wolf-way of business.Now every GP outthere, look at the same excel sheet, find me all complex that would have debt maturity in 2024, I would buy it all with 20% discount LOL LOLKind of.