Check pout the website, JaxReia.org.

Glad you thought it was helpful @Ray Tapay@Michael P. out of curiosity, what was your intent when you purchased the property?

I do recognize you are also lowering your payment which increases your cash flow but that comes with a price (basically the loan duration greatly increases the total interest you will pay).Now lets stay that you put the $17K in the S&P500 and that the S&P out produces your interest rate by 5% (so total of 9.5% which is really close to lifetime S&P500 return), it will take over 4 years to pay off the $4K, but it it worse than that because the $4K is paid up front (you return is in inflation adjusted dollars).I understand the cash flow and I understand that in the long term you should find it easy to out perform the 4.5% interest. 

Process isstill ongoing , as I had pout off some minor cosmetic work ( outsidebrick and painting ) to focus on new apartment , but city will notissue a clean complete COA until all the deficiencies on maininspection re taken care .

All feedback is welcome and encouraged ;)---READ TIME = 4 minMARATHON INVESTINGThe Pursuit of Wealth, Not MoneyThere’s an accelerating phenomenon across my peer group…we’re going cuckoo for crypto.It’s exciting, intellectually stimulating, financially rewarding…and it’s scaring the cr*p out of me.With incredible short-term wins, crypto hysteria is teaching extraordinarily bad investor habits at an accelerating rate.

Be aware it only takes one deal which does not pan pout to put your capital at risk.

In Mass a tenant group pout out a Tenant Survival Guide (I can't find my copy at the moment to give you an exact title) I got one and keep it in the office so I know the "enemies" battle plan.

Quote from @David P.: Out here in southern california my uncovered IPE deck only last about 2 years before it starts looking bad again.

I agree with Grant P. Out

She was moving some more things pout so I approached her and tried to nail down a day when she would be completely out.