@Kris Lou Many factors go into PMC pricing:1) Locality (city/state)2) Neighborhood & Property Class (time to manage Class A < Class B < Class C < Class D)3) Property condition (slumlord properties hard to manage)4) Number of units (some economies of scale, but not as much as owners think)5) Owner expectations (some owners really want a personal assistant!)

The person in the response above who got crushed by a $5000 repair never did have $100-200/mo. cashflow.

I use it for my personal portfolio as well.

If the person stops making payments, they alas,  have to foreclose.

For me personally, I am hesitant to sell unless it really makes sense.

Personally, I would pay off the higher rate first. 

I had the initial call with a PadSplit sales person, but I wanted to talk to somebody who's actually doing it to get their perspective and advice.

I’m the last person who should complain about grammar, but these are yellow flags, at best.

If you close with a conventional loan, it will need to be in your personal name.

I personally like the town of Oakhurst and the restrictions are less rigorous than Mariposa. 2.)