Hey Eli, Great question on the 6% and it does play a factor into the cash flow.

It's unclear on how that plays into your question about taxes.

We cannot breach our guests' trust by playing games with them. 

Also the strategy you are implementing plays a huge part with how to proceed. 

Becca, the strong play in the Bay Area is value add.

I always play it straight on loan applications for they can be enforced for 10 years from signing. 

Eager to start playing with the tools and calculators provided here too. 

Thomas Lennon who played Jim Dangles.  

Comps to me no longer play the only role because of rates, seasonality, etc., it definitely fights the arguments on re-fis with the appraiser but I'm noticing there's just a liquidity issue that is skewing things.I try to essentially start at the floor and work my way up on the ARV as opposed to seeing the highs and working it down.

I have more than 20k to play with, just looking for ideas for best use.