My name is Valeriy (not fat Tolstoy).

Gene,That's part of my question.

Gene,Thank you so much.

Typical Milwaukee 4plex mechanicals, furnaces and water heaters centrally located in the basement.I would not be doing them myself, those days are behind this fat old Sicilian ... ;-)

Don't give up a 4 plex,improve the situation.Improve the property and get better tenants for higher rents.Work the problem,you will regret giving someone else your profits after you sell it.Agents will tell you anything to get you to sell and give them fat commission checks so get honest opinions from people who get no profits from your property.

Gene Trowbridge could be a good resource.

With whatever your high salary is, that 401K will be nice and fat in 8 years and will only compliment your other investments.

One point from Gene Trowbridge is "interest is not considered profit"An investment contract under the Howey Test was defined as follows:1. an investment of money due to2. an expectation of profits arising from3. a common enterprise4. which depends solely on the efforts of a promoter or third partyWhat this meant for J.

Now I just have to trim the fat here, and cut this out over there, and save as much as I can, and scrimp and save, and cut out all the creature comforts and after like 10 years, I can retire! 

John Kent Gene Mills thank you.