Quote from @Pat Aboukhaled: Curious.. do you think a flat rate for the whole season feels more convenient, or would you rather pay per snowfall to avoid paying for a mild winter?

.- Someone talked about crime and hard tenants (who don't pay - usually inherited ones)- not many economic opportunities to attract pool of people and boost area etcI'm looking at houses on both sides (Canada and USA) US, they are cheaper like 731 Pine Ave, Niagara FAlls NY 14301 going for $270,000 (5/2, 2700sq ft) but on Can side, it's like houses are in the US$400K - smaller sq ft.

How much principal per year are you pay ing3.  

Which would allow you to escalate that snowball payoff without having to use part of it to pay the tax.

The terms remain the same, we still pay the monthly mortgage payment.

In addition, some of those fire victims can afford to pay top of market price for homes. 

I will not comment as to the tax laws and underlying rules - that is a discussion you can have with your tax advisor who presumably you are paying to help you.What I will do is provide practical and business guidance on tracking time.Firstly, there are apps available that can assist with time tracking where you can specifically detail your time, who you met with, etc.

NeighbothoodScout shows appreciation for this century at 3.64% or ~$10.5k/year plus there will be equity pay down of -$2.7k. ~$13200  (forecast equity increase) -$4200 (cash flow) = $9k First year profit ideally that will increase annually.  

You’re paying big money to target people who explicitly want to hold on to their homes, all in the hope of convincing them to sell.

Two things are certain, 1) taxes are lower today than they've ever been in the past 80 years. 2) they are certain to be higher in the future.We should all be focused on paying the lowest “lifetime tax bill” not the “lowest tax bill this year”.By paying 20% and settling up my long-term capital gains is not a bad deal.