In inflation adjusted dollars, this likely is closer to 15 years to recover the $450k.  

The S&P 500 has that inflation adjusted "average" of 8% annual return, compounded WHEN drip back all dividends, and IF it performs as it has previous 30 years. 

Had several challenges with their bookkeeping after I had to make an adjustment to one of my monthly payments.

I guess the only thing giving me hesitation is that it looks like housing prices are at all time highs even after adjusting for inflation:https://fred.stlouisfed.org/se...Housing affordability is worse today than it was at the bubble peak in 2006 if you believe Case Shiller data. 

I would like to have lower monthly payments should I make a big lump sum payment towards my principals and ask my mortgage company to adjust it or refinance it or which one is the best ? 

The fire prevention policies were different, more aggressive, so far less imperative reasons to sway away from a then amply supplied and I imagine price adjusted material of shake vs fire resilient material. 

The 70% rule is a solid guide, but in competitive markets like South Florida, it’s tough to stick to—many investors adjust based on their target profit margin or risk tolerance.

While my budgets are strong, they still require manual adjustments, and I’m looking to automate this process for greater efficiency.My background in technology and AI—along with my experience running a publishing house—has taught me the value of scalable systems.

The season of Bigger Pockets investors posting 10 nearly identical "Looking for a CPA" messages per day.Disclosure: I am one of those people you are looking for.

The LOC adjusts each year.