I also assume a 3-4% yearly rent increase, which naturally increases the vacancy and repair amounts over time.

The key factor is the amount paid and the nature of the payment, not the payment method.

While it’s not impossible to close in mid December and still meet all requirements of the STR loophole, it will be extremely difficult due to the nature of hitting 150 hours, having it rented for 15 days or greater and having the avg stay be no greater than 7 days and not a decimal more.

In Canada, for example, the average mortgage term is 5-years, so every 5-years you renew your mortgage and have the opportunity to pay down as much as you would like (if you wanted to pay more than the payment restrictions of a fixed-rate mortgage).If you want to pay down your mortgage more quickly and cannot afford to increase your payment, simply switching from the default monthly mortgage payment to accelerated bi-weekly payments will reduce your amortization by ~12% (the extra payment per year from the accelerated part) and reduce the overall interest paid by slightly more (~14%).Naturally, if you increase the bi-weekly payment, you will pay down the mortgage more quickly.  

I think it is human nature to feel like we need to get the best deal with the best/highest "immediate return".

To have enough discretionary funds to be able to invest at this level means that even if a deal goes completely down the drain, I can still feed my family, tithe to my church, pay my bills, and try again later.I do appreciate the probing nature of your questions!

LIke she will talk to her client  ( Hey client i just found the home your going to buy) Not ask them what they think you have to be able to actually sell and this is a skill that some have naturally but it can be taught and boy it can be tough to teach as many just don t have the personality.

Eventually it becomes second nature.

You will generally get people who are more nomadic in nature. 

I was the oldest boy so naturally I helped dad with all the renovations.