I didn't have to take the time to point it out because it's buried deep in the lease agreement somewhere in fine letters, but I feel it's just an ethical thing to do.  

The fact that you have accelerated your mortgage payments during the lowest APR period in history shows questionable judgement in finance and tax.

Rooftop deck?

I have a BSBA in Finance.

Advice followed and disaster in finances occurred. 

Let me explain, when I ask other people to invest hundreds of thousands of dollars with me, I assure you the degree in Finance and Masters in Buisness Administration that I have make it a lot easier for them to write that check and feel comfortable that I know a thing or two about how money works and that I probably at the very least a basic working knowledge of accounting, business laws, finance and marketing.

I don’t agree with everything he says but I am also more educated in finance, leverage, good and bad debt etc than the average joe. 

Lots to just rent out as rentals as well.On another note, I have a huge house coming available in San Diego that could be a great Air bnb as well 8 bedrooms, pool rooftop deck, etc   Close to SDSU, Downtown, convention center.

As far as the class action lawsuits, they've paid hundreds of millions of dollars in fines and payouts, both in the US and Canada.They take advantage of people.

We are data geeks here and from my 20 years in aviation in finance and marketing, as well as International Business via WSU, we track everything.