Whats funny is 20 years ago my net worth was negative and I would eat out all the time, now I have a few bucks in my pocket and I cannot remember the last time we went out to eat that was not a special occassion. :) .  

Hope to hear a piece of wise advice from mature investors.The question is whether I should I invest into flipping properties and making higher ROI or invest in rental properties with a lower ROI but a steady cashflow?

So this got me to thinking maybe folks should spend a few hundred bucks on a website and link to those then have the info you want to share on that website..I see websites for specific properties all the time.. its mainly high end but can be any kind this would cut down on traffic and all these requests..

We currently have a 3.5% rate on a 20 year loan that matures in late 2039. 

Any list you can pull for a few bucks has already been hammered by hordes of investors before you.Not saying this way can't work, but I recommend a different path...I prefer to focus on sellers who have a reason to sell but who require some effort and skill to identify.My favorites are #TiredLandlords, namely owners who have filed an eviction lawsuit against their non-paying tenants.Many of these folks are through being in the rental business and are open to hearing about a way out.Even better, #TiredLandlords are ideal candidates for seller financing, since they don't need the sale proceeds to buy another house, PLUS they are already conditioned to receiving monthly payments over a period of time.

With the flat fee everyone is happy, and the owner typically makes a few bucks. 

A calm response reassures potential guests that you handle issues maturely and are focused on their experience.Future Guests as Your Audience: Remember, your response isn’t just for the reviewer—it’s for potential guests who might read it.

And we are talking about $50-200 bucks

I'm letting my PMLs mature after a 2 year experiment and going back into old-fashioned rentals.

I'm negotiating a 7-8% return for them, and I will make interest-only payments until the loan matures (I'll ask for 2 years).