Thanks.For I have the lender opinion as well as the investorOpinion, as an investor the line of credit sets the min bar for cost of capital and floor for opportunity cost for money.The philsophy is I can store money or pay down the principal in the line atleast it’s saving/earning me 4.99% interest as opposed to sitting in my checking where it’s subject to inflation loss.If REAL inflation is let’s say 5% rate then the real value of my money is maintained (5% inflation loss - 5% interest savings) while outside in my checking account each dollar is still 100 cents at face value, but real purchasing power parity is 95 cents a year later.This does not mean I don’t believe in any emergency funds bit rather once I’ve funded my 6-12 months of reserves I deploy extra capital into other vehicles to hedge inflation.When I find opportunities to deploy capital that meet my min hurdle rate for that particular asset class ( it varies with risk premium of each asset class) then I would deploy it otherwise Ill chill out and earn my min mentioned above.

Way on two parcels of land that look from above like a set of diagonal butterfly wings.The west side of the development will be bordered by Bulb Avenue, Chester Street and Rankin Lake Road and feature general commercial uses on the ground floor, with apartments above the retail businesses.

A little FYI on Minnesota being "mostly empty", we have development at MASSIVE scale going, an EPIC level housing shortage, and the economist, quants and builders looking that we "might" achieve parity (supply meeting demand) in best case scenario 7 years, and that was stated as a best case scenario, with no more impactors, and continued GROWTH to building out-put on pace, and relief of supply constraints.

This would probably be parity for a portfolio manager at the moment, however, a newly minted 15 year mortgage might have slightly longer duration than the MBS portfolio and therefore a greater MTM discount.

There are people who are renting in my community and apparently there's a daycare diagonal from me lol.

If you are under market at U %, and the market rates are increasing by M (in %/year as a decimal), and you want to be at market parity in (Y) years, you can figure your desired annual rate increase (R) using this formula:  R=-1+(((100/U)^(1/Y))*(1+M))        I'll leave it to you to check the derivation from your starting point (A=P*((1+(r/n))^(t*n)) where t is in years, n is the compounding frequency in years, r is the rate, P is the initial and A is the final values. 

Already the cost of producing solar is equal or better than coal and is fast approaching parity with other energy sources.

For the purposes of this section, adjacent properties are those that abut the proposed Short-Term Rental Unit, those directly across the street or alley from the proposed Short-Term Rental Unit, and those that are diagonal across the street or alley from the proposed Short-Term Rental Unit.

Point #1 - Absolutely wrong....there are many reasons that a Tile Contractor will (and should) charge more - diagonal placement instead of straight, curved tiles, art/picture tile, really expensive tile that makes you go slower (like $100-200 SF), hard-to-cut tile, fragile tile, and many others....Point # 2 - I'm guessing that your 'helper' was not a legal employee, with all the labor burden, plus Workers Comp and all those niceties?

Would I be better of just sticking with my brokerage account if the returns or more on parity with the stock market but much less liquidity?