You’ve given me a lot to think about, especially regarding refining my ideal PML strategy.

Sometimes it's ambiguous, but even then, why should I bother with the company that has numerous unresolved lawsuits, versus another company that is virtually the same but has none.

I looked at numerous live-in flip opportunities.

There are indeed many tempting short-term investment opportunities in the market that look very attractive numerically, but their potential risks can easily lead to pitfalls.

Odd's would be far mor ein your favor if you just bought lotto tickets. 

Major issues are lack of parking, lack of elevators, leading to numerous unlived in units.  

I have gone to numerous RE meetups and discussed numerous ADU appraisals and was heavily involved analyzing one (that gave a value of ~$50k for a ~400’ garage conversion 1/1.  

"Never" having missed a payment is good, but as you know this can change at any time and 20 or so payments is not a lot to make - especially when they must make them at any cost because they are in the middle of a huge raise.

@Breeya Johnson Austin has gone through numerous changes the past five years, both good and challenging.

Personal Reflection:• We’re excited to start this journey but realize we have a lot to learn.