Or at least making is a de-escalating penalty (5% in first two years, 4% in year 3-4, 3% in year 5-6, etc)?

This is the world of Delaware Statutory Trusts.

Delaware County has potential, but higher property taxes (Compared to Philadelphia) are a deterrent.Places like Norristown and Pheonixville (Montgomery County)have been mentioned quite a bit here on BP, but I have no actual experience in those areasBest of luck to you

The main reason was they want owners to have flexibility to get additional income to protect them from bankruptcy if they are not able to pay their mortgages due to relocation to US mainland or other factors. https://www.elnuevodia.com/negocios/economia/nota/leydecondominiosdarialuzverdeapropiedadesairbnb-2475088/

Right now we have about $10k saved up for our first project (going to continue saving as much as possible) and have seen an abundance of opportunity around us in Philadelphia, our college town of Newark, Delaware, and the Delaware Beaches where both of our parents currently have homes.

I keep track of my appointments by putting them on my Google Calendar, that syncs to my Mac and phone.Yep yep, the inability to de-duplicate rows in Podio is very annoying.

I wonder if a Delaware Statutory Trust (DST) would help you do this?

Here are my numbers at a glance for the 2 year mark...TOTAL NOTES: 251ISSUED & CURRENT: 175 (all $25 loans, A-G grade 6-28%)FULLY PAID (PAID OFF EARLY): 37 (my experience is this randomly happens, all grades will pay off loans unexpectedly. not a bad thing, just an observation)IN GRACE PERIOD (LATE ON CURRENT PAYMENT): 3 (ALL D GRADES, received payments equal to about half of original loan currently)LATE 16-30 DAYS: 0LATE 31-120 DAYS: 7 (D,E,F,G grade, 6/7 have paid about half, 1/7 is 2 months into loan(C grade))DEFAULT (IM PROBABLY ABOUT TO LOSE) : 1 (D grade)CHARGED OFF (I LOSE) : 28 (received between $2.50-9.50 out of my $25 before they charged off.

But it does not happen in 2-3 years if one was expecting.There is every class within Detroit city Limits - A, B, C and D, E and F.A - Sherwood Forest (where the current Mayor resides), Palmer Woods, University District, East English Village, North Grandmont Rosedale etcB & C - Sorry, playing it close to the chest, so won't give it away so easily.

Do they go "dorment" after a time or can they be de-activated/reactivated?