@Tom Gimer @Chris Seveney @James Hamling @Jay HinrichsI can't speak to the #'s of DOSC for SubTo, which I see as ticking time-bombs and am NOT a fan of.

Trash pickup - bags on the street in MO vs bins in KSRoad conditions and plowing - better roads and more frequent plowing in KS Years of construction - Kansas is mostly 1960s and newer, MO has the older buildings - 1900s and newer.

Scenario 3), the you could come out marginally ahead of making monthly extra principal payments of $300.00, provided you were not pulling the lump-sum from a LoC and then repaying the LoC over the ensuing 10-months ... as the additional interest would negate the marginal advantage.Scenario 4 and {my favourite} Scenario 5 were included to illustrate the benefit of more frequent principal payments.

I’m a fan of the SM, but tax free leveraged investing with RE is clearly much better over time.

While we are reading about fun cases, there is a frequent buyer in Texas that just took a case to the SCOTUS, but they declined to hear it. 

I always have been a fan of doing the little things right. 

I receive emails from them frequently, but I have not had time to really go back and try it again. 

I'm a fan of using HELOC or LOC if you have the equity.

This is why in addition to apathy that bad players get away with as much as they do as frequently as they do.

Im a fan.