@Michael Camacci, KP is Key Principle.  

I paid both sides of closing costs. 100% seller finance, 5% interest, amortized over 23 years, with a balloon payment of the principle balance due after 30 months.

Like aircraft checklists and vehicle operators manuals (the -10s), one can benefit from extensive research, trial and error, and deliberate improvement principles gained by the many that have gone the path before. 

6.125% has P&I of $2625/month.5.75% has a P&I of $2521/monthThis is a $104 benefit.Paying $4400 more towards principle will reduce your payment to $2598, a $27/month savings.Math says buying the rate down has a larger net benefit to you up front, but it will take you 42 months to break even.

These are professionals with additional training and a stricter code of ethics.

Core values that have been vital to our company’s success include integrity, ensuring we always deliver on promises and prioritize ethical decision-making, and collaboration, fostering teamwork and open communication at every level.

I never want to crush anyones dreams but rather reinforce that education, work ethic, and action are ABSOLUTELY necessary for success...as you alluded to, nothing in life is easy!! 

Bert was not exactly the most ethical investor before Clayton came along. 

Alignment of interest between management and investment capital is a cornerstone principle that is never compromised.

Well, this is a wonderful thread.All I can really contribute with enough experience to be absolutely sure of what I say: if you live on the coasts and your spreadsheet tells you your best passive returns over the long haul are going to be in the Rust Belt in cheap rentals, then your spreadsheet needs to be looked at by someone with a lot more experience in cheap Rust Belt rentals than you have.My own take on the musings here of why everyone wants to quit their job these day and its possible connection to young people and their participation trophies, their possible work-ethic failings, moral turpitude, contemptible world outlook, lack of grit, et hoc genus omne...yeah, I know I don't know squat about all that.