By focusing on multiplying investor returns, we build lasting relationships based on mutual success.In this industry, it's not just about making money for yourself.

My first question is do I pick a good, better, best system that costs from less to more $$ and do I justify the more expensive energy efficient system to grab a little higher rents since tenants will save money.

If I threw the money into SPY, it would be a 104% gain compared to walking away with an 80% gain after fees/commissions.

You can't invest money you don't have.

You owe $3000.

If its the latter then I always caution people spending money to save some is not always a good strategy.

The property should have more impact than credit for hard money, but if you have never used the company, you are probably looking at 14 pct and 2-3 points now.

I also think that if I can make all of my money back in 4 years with a cash out refinance, what is the danger?

Quote from @Zalman Ives: Even if he could get into a $1 million home with no money down, his PITI would be $90,000 a year.

All I have is a money market account and though I set up my schwab accounts and vanguard before we moved I never invested a single note into any yet because of my lacking knowledge.