He became so upset, kept speaking negative comments under his breath.

I ignore those people or laugh at them under my breath. 

Since we are talking about SALES TRAINING, I was trained by 3 different companies in insurance and mutual funds, one was a top Fortune 50 company, we had go through the ringer in sales training on the phone to consumers and business owners, in the "bull pen", it was murder, sticking to a script, with some "manager" breathing down my neck.My mantra was, "well if I can excell at Parris Island SC in Marine Corps bootcamp, I can handlle some friggin sales training and huge rejection!"

Quote from @Carlos Ptriawan: these are student of 'wim hof' method hahaha Great breathing method !

I plan to drive my paid-off car for another decade or until its last breath, whichever comes first, so have no car debt luckily.

I may, but don't hold your breath, but you did give me an idea for a blog on my site, thanks again.I just lost a long post explaining how to use a loss payee in your contract rather than changing policies, it helps avoid the due on sale issues as a lien holder.

The cash flow is much better and predictable, without all the hassle and rules of HOAs breathing down your neck. 

Take a deep breath.

The fumes are very caustic and great care must be taken not to breath it in too much.

In the some breath, I would work out a comp plan over the next several years including them on the revenue model that the property generates until they are paid back completely if that's what they expect.