I'm assuming I broke a mirror or walked past a black cat or something and just screwed my own luck somehow.

Do a Google search for "Boommates" and you'll find references to the Golden Girls TV show and discussions about two significant issues older people face: the high cost of housing and loneliness.For younger people, we call this "house hacking," where someone buys a house and takes in roommates to help cover the costs.

If I paid off the ARM, I would flip to black cash flow around $450 a month.

Fyi, the discussion went like this, she said I want a wrap around porch, grey siding with white trim, bigger windows, french doors, stainless appliances, black barn doors and shutters, etc., after which I put my foot down hard and said “dark grey or light grey siding?”

As one of the nation's leading SEO experts, I can tell you that their SEO is based on black hat and grey hat SEO  and it is mostly based on low-quality backlinks.

Black Swan event- Covid or economic downturn can you cash float for a year.  

If I sign up for Karate lessons I'd like the dude teaching me to be a black belt.

Or Black Nationalists? 

The white body and black trim was/is popular in SoCal...

You can get black exterior in a variety of sizes under $300 a window, and the standard white is even more cost effective.